Erie, PA · Charter 8913
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.64% | 0.75% | 0.61% | 0.67% | 2.76% | 1.80% | 0.40% | 1.36% | +69 bps | |
| Return on Equity | 3.07% | 3.48% | 2.91% | 3.18% | 12.83% | 8.17% | 1.76% | 5.98% | +280 bps | |
| Net Interest Margin | 3.62% | 3.71% | 4.52% | 4.33% | 4.48% | 4.14% | 4.51% | 2.19% | -214 bps | |
| Efficiency Ratio | 73.31% | 71.85% | 59.64% | 61.12% | 56.28% | 54.68% | 41.15% | 41.76% | -1,935 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.41% | 3.06% | 5.66% | 3.57% | 2.78% | 5.80% | 2.75% | 7.65% | +408 bps | |
| Loan Growth (YoY) | 10.47% | 12.57% | 17.39% | 13.61% | 10.36% | 12.78% | 4.17% | 2.94% | -1,067 bps | |
| Share Growth (YoY) | 3.74% | 2.90% | 6.00% | 3.16% | 2.04% | 5.03% | 0.58% | 5.17% | +201 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.69% | 0.93% | 0.16% | 0.18% | 0.16% | 0.08% | 0.13% | 0.10% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.03% | 1.14% | 1.06% | 1.35% | 1.44% | 0.75% | 0.00% | 0.00% | -135 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 20.95% | 21.44% | 20.95% | 21.21% | 21.51% | 22.07% | 22.98% | 22.77% | +157 bps | |
| Net Worth / Assets | 20.95% | 21.44% | 20.95% | 21.21% | 21.51% | 22.07% | 22.98% | 22.77% | +157 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 87.98% | 90.16% | 90.75% | 92.57% | 95.16% | 96.81% | 94.00% | 90.60% | -196 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |