BlastPoint's Credit Union Scorecard
ERIE
Charter #1476 · PA
ERIE has 3 strengths but faces 8 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
- + ROA 0.28% above tier average
- + Net Interest Margin 0.10% above tier average
- + Total Members: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 16.0% in tier
- - Credit Quality Pressure: Bottom 47.5% in tier
- - Indirect Auto Dependency: Bottom 87.2% in tier
- - Deposit Outflow: Bottom 91.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.7% in tier
- - Average Member Relationship (AMR): Bottom 3.6% in tier
- - Deposit Growth Rate: Bottom 4.5% in tier
- - Asset Growth Rate: Bottom 8.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 5 that size in Pennsylvania.
- Shares and deposits -2.4% year over year ($741M in shares and deposits).
- Membership: 81,882 members, +3.1% vs a year ago.
- Delinquency rate 0.62%.
- Return on assets 1.13%.
- Efficiency ratio 73.33% vs a 74.54% peer average.
- Loan-to-share ratio 72.86% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
81,882
+3.1% YoY+1.0% QoQ
|
+29.4K |
52,482
+1.3% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
Top 6.3% in tier |
| Assets |
$808.0M
-0.7% YoY-0.7% QoQ
|
$-55.9M |
$863.9M
+0.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
27% |
| Loans |
$540.1M
+10.4% YoY+3.7% QoQ
|
$-67.6M |
$607.8M
+2.1% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
28% |
| Deposits |
$741.4M
-2.4% YoY-1.3% QoQ
|
+$1.5M |
$739.9M
+0.2% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
50% |
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| ROA |
1.1%
+359.5% YoY+386.8% QoQ
|
+0.3% |
0.8%
+30.4% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
70% |
| NIM |
3.6%
+10.8% YoY+1.1% QoQ
|
+0.1% |
3.5%
+6.2% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
55% |
| Efficiency Ratio |
73.3%
-13.0% YoY-15.4% QoQ
|
-1.2% |
74.5%
-1.4% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
36% |
| Delinquency Rate |
0.6%
+6.1% YoY+9.9% QoQ
|
-0.2 |
0.8%
+1.0% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
52% |
| Loan To Share |
72.9%
+13.1% YoY+5.2% QoQ
|
-9.7% |
82.6%
+1.9% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
20% |
| AMR |
$15,651
-0.4% YoY-0.3% QoQ
|
$-13K |
$28,702
+0.4% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 2.7% in tier |
| CD Concentration |
29.8%
-10.6% YoY+0.2% QoQ
|
+5.2% | 24.6% | 15.6% | 20.0% | 70% |
| Indirect Auto % |
41.1%
-5.3% YoY-2.1% QoQ
|
+27.5% | 13.6% | 8.4% | 7.7% | Bottom 7.7% in tier |
Signature Analysis
Strengths (0)
Concerns (4)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)