ERIE

Charter #1476 | PA

750M-1B (112 CUs) Community (281 CUs)
7 750M-1B in PA

ERIE has 2 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 30.1% in tier
  • + Total Members: Top 5.4% in tier

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 5.6% in tier
  • - Shrinking Wallet Share: Bottom 9.9% in tier
  • - Efficiency Drag: Bottom 11.8% in tier
  • - Indirect Auto Dependency: Bottom 21.4% in tier
  • - ROA 0.47% below tier average
  • - Efficiency ratio 8.89% above tier (higher cost structure)
  • - Average Member Relationship (AMR): Bottom 2.7% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 2.7% in tier
  • - Deposit Growth Rate: Bottom 7.1% in tier
  • - Indirect Auto Concentration (%): Bottom 7.1% in tier
  • - AMR Growth Rate: Bottom 8.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 80,294
+2.8% YoY+1.1% QoQ
 +28.2K 52,114
-2.1% YoY
 17,552
+5.9% YoY
 33,089
+6.1% YoY
 Top 6.2% in tier
Assets $805.9M
-1.1% YoY-0.9% QoQ
 $-53.1M $859.0M
+0.0% YoY
 $283.8M
+10.6% YoY
 $547.7M
+7.8% YoY
 Bottom 25.0% in tier
Loans $499.9M
+1.1% YoY+2.2% QoQ
 $-103.4M $603.4M
+1.0% YoY
 $193.1M
+8.6% YoY
 $388.7M
+8.6% YoY
 Bottom 17.0% in tier
Deposits $745.7M
-1.9% YoY-1.8% QoQ
 +$11.5M $734.2M
+0.9% YoY
 $243.3M
+10.9% YoY
 $464.6M
+9.3% YoY
 61st in tier
ROA 0.2%
-1.4% YoY-3.8% QoQ
 -0.5% 0.7%
+27.6% YoY
 0.8%
+22.9% YoY
 0.7%
+273.4% YoY
 Bottom 20.5% in tier
NIM 3.4%
+8.6% YoY+2.8% QoQ
 -0.0% 3.4%
+9.6% YoY
 3.5%
+4.5% YoY
 3.7%
+5.0% YoY
 46th in tier
Efficiency Ratio 83.4%
-0.4% YoY-1.0% QoQ
 +8.9% 74.5%
-3.2% YoY
 76.2%
-1.5% YoY
 79.1%
-3.3% YoY
 Top 18.8% in tier
Delinquency Rate 0.6%
-7.0% YoY-0.4% QoQ
 -0.2 0.8%
+5.0% YoY
 1.3%
-8.2% YoY
 1.2%
-0.9% YoY
 40th in tier
Loan To Share 67.0%
+3.0% YoY+4.0% QoQ
 -15.6% 82.7%
+0.1% YoY
 55.4%
-2.3% YoY
 68.0%
-1.7% YoY
 Bottom 17.9% in tier
AMR $15,513
-3.4% YoY-1.3% QoQ
 $-13K $28,651
+2.5% YoY
 $16,339
+4.2% YoY
 $19,418
+1.3% YoY
 Bottom 1.8% in tier
CD Concentration 32.9%
-6.0% YoY-1.3% QoQ
 +8.5% 24.4%
+4.2% YoY
 15.5%
+9.2% YoY
 19.6%
+6.2% YoY
 Top 20.7% in tier
Indirect Auto % 43.5%
+2.6% YoY+0.2% QoQ
 +29.5% 14.0%
-5.8% YoY
 8.0%
+2.0% YoY
 7.9%
-2.9% YoY
 Top 6.8% in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#552 of 603 • Top 30.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.80%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.24%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 43.50%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (4)

Deposit Outflow

decline
#34 of 114 • Bottom 5.6% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -1.88%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $805.94M
(Tier: $859.01M, National: $547.69M)
worse than tier avg
114 of 281 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#100 of 244 • Bottom 9.9% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -3.42%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank improving

Efficiency Drag

risk
#210 of 521 • Bottom 11.8% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 83.41%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.00% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 2.80%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#345 of 525 • Bottom 21.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -1.08%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 43.50%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.80%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

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)

Comparing against 112 peers in tier

Top Strengths (1 metrics)

7
Total Members
engagement
Value: 80,294
Peer Avg: 52,114
#7 of 112 Top 5.4% in 750M-1B tier

Top Weaknesses (11 metrics)

110
Average Member Relationship (AMR)
engagement
Value: $15,513
Peer Avg: $28,651
#110 of 112 Bottom 2.7% in 750M-1B tier
110
Loan-to-Member Ratio (LMR)
engagement
Value: $6,226
Peer Avg: $12,810
#110 of 112 Bottom 2.7% in 750M-1B tier
105
Deposit Growth Rate
growth
Value: -1.88%
Peer Avg: 5.03%
#105 of 112 Bottom 7.1% in 750M-1B tier
105
Indirect Auto Concentration (%)
balance_sheet
Value: 43.50%
Peer Avg: 16.60%
#105 of 112 Bottom 7.1% in 750M-1B tier
104
AMR Growth Rate
growth
Value: -3.42%
Peer Avg: 4.90%
#104 of 112 Bottom 8.0% in 750M-1B tier
96
Asset Growth Rate
growth
Value: -1.08%
Peer Avg: 4.25%
#96 of 112 Bottom 15.2% in 750M-1B tier
95
Fee Income Per Member
profitability
Value: $136.36
Peer Avg: $204.75
#95 of 112 Bottom 16.1% in 750M-1B tier
93
Total Loans
balance_sheet
Value: $499.95M
Peer Avg: $603.36M
#93 of 112 Bottom 17.9% in 750M-1B tier
92
Efficiency Ratio
profitability
Value: 83.41%
Peer Avg: 74.52%
#92 of 112 Bottom 18.8% in 750M-1B tier
92
Loan-to-Share Ratio
balance_sheet
Value: 67.05%
Peer Avg: 82.66%
#92 of 112 Bottom 18.8% in 750M-1B tier