BlastPoint's Credit Union Scorecard
ERIE
Charter #1476 · PA
ERIE has 3 strengths but faces 13 concerns
How does the industry compare?
What's your peer group doing?
How does PA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 88.9% in tier
- + Net Interest Margin 0.04% above tier average
- + Total Members: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 11.8% in tier
- - Shrinking Wallet Share: Bottom 48.3% in tier
- - Efficiency Drag: Bottom 61.6% in tier
- - Indirect Auto Dependency: Bottom 70.7% in tier
- - Credit Risk Growth: Bottom 89.0% in tier
- - Credit Quality Pressure: Bottom 97.6% in tier
- - ROA 0.39% below tier average
- - Efficiency ratio 6.93% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 2.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.6% in tier
- - Deposit Growth Rate: Bottom 5.1% in tier
- - AMR Growth Rate: Bottom 5.1% in tier
- - Indirect Auto Concentration (%): Bottom 6.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
80,843
+2.8% YoY+0.7% QoQ
|
+28.8K |
52,084
-1.6% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Top 6.8% in tier |
| Assets |
$795.7M
-1.2% YoY-1.3% QoQ
|
$-68.2M |
$863.9M
+0.5% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
23% |
| Loans |
$512.4M
+5.0% YoY+2.5% QoQ
|
$-93.4M |
$605.8M
+1.4% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$733.2M
-3.2% YoY-1.7% QoQ
|
$-4.1M |
$737.3M
+0.1% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
50% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.4%
+20.9% YoY+49.5% QoQ
|
-0.4% |
0.7%
+39.1% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
3.4%
+10.9% YoY+2.3% QoQ
|
+0.0% |
3.4%
+8.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
81.3%
-0.7% YoY-2.6% QoQ
|
+6.9% |
74.3%
-3.6% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.7%
+1.3% YoY+21.6% QoQ
|
-0.2 |
0.9%
+3.8% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
47% |
| Loan To Share |
69.9%
+8.4% YoY+4.2% QoQ
|
-12.7% |
82.6%
+1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
18% |
| AMR |
$15,408
-2.7% YoY-0.7% QoQ
|
$-13K |
$28,873
+2.7% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.7% in tier |
| CD Concentration |
30.7%
-8.9% YoY-6.6% QoQ
|
+6.3% | 24.4% | 15.5% | 19.8% | 73% |
| Indirect Auto % |
42.6%
+1.0% YoY-2.0% QoQ
|
+28.8% | 13.8% | 8.1% | 7.8% | Top 6.9% in tier |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (6)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)