BlastPoint's Credit Union Scorecard
ERIE COMMUNITY
Charter #12616 · OH
ERIE COMMUNITY has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.18% above tier average
- + Loan Growth Rate: Top 5.8% in tier
- + AMR Growth Rate: Top 5.8% in tier
- + Asset Growth Rate: Top 5.9% in tier
- + Deposit Growth Rate: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.66% above tier average
- - Net Worth Ratio: Bottom 4.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,448
-0.1% YoY-0.3% QoQ
|
+832 |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
73% |
| Assets |
$39.8M
+11.9% YoY+7.5% QoQ
|
+$9.6M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
69% |
| Loans |
$22.2M
+15.4% YoY+7.0% QoQ
|
+$6.5M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
73% |
| Deposits |
$36.4M
+11.9% YoY+7.8% QoQ
|
+$10.7M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
72% |
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| ROA |
0.8%
-27.9% YoY-0.5% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
57% |
| NIM |
3.6%
+5.1% YoY-2.4% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
39% |
| Efficiency Ratio |
75.3%
-1.0% YoY-1.2% QoQ
|
-7.2% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
39% |
| Delinquency Rate |
2.2%
+6.6% YoY+89.1% QoQ
|
+0.7 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
61.1%
+3.1% YoY-0.8% QoQ
|
+0.5% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
50% |
| AMR |
$17,003
+13.3% YoY+7.9% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
66% |
| CD Concentration |
25.5%
+7.3% YoY-2.7% QoQ
|
+1.1% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-95.1% YoY-93.1% QoQ
|
-13.8% | 13.8% | 11.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)