BlastPoint's Credit Union Scorecard

ERIE

Charter #1476 · PA

Community 750M-1B
117 CUs in 750M-1B nationally 5 in PA
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ERIE has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?
Community Tier

What's your peer group doing?
PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.12% above tier average
  • + Total Members: Top 5.1% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 22.5% in tier
  • - Shrinking Wallet Share: Bottom 83.7% in tier
  • - Indirect Auto Dependency: Bottom 89.3% in tier
  • - Deposit Outflow: Bottom 92.0% in tier
  • - ROA 0.53% below tier average
  • - Efficiency ratio 11.13% above tier (higher cost structure)
  • - Average Member Relationship (AMR): Bottom 2.6% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 2.6% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 81,063
+2.2% YoY+0.3% QoQ
 +29.6K 51,500
+0.7% YoY
 18,228
+6.1% YoY
 33,913
+5.7% YoY
 Top 6.0% in tier
Assets $813.8M
-1.2% YoY+2.3% QoQ
 $-51.8M $865.6M
+0.9% YoY
 $307.3M
+11.2% YoY
 $578.3M
+9.0% YoY
 31%
Loans $520.6M
+7.8% YoY+1.6% QoQ
 $-74.6M $595.3M
+1.6% YoY
 $202.4M
+9.8% YoY
 $402.4M
+8.7% YoY
 26%
Deposits $751.4M
-2.4% YoY+2.5% QoQ
 +$9.2M $742.2M
+0.6% YoY
 $264.3M
+10.7% YoY
 $494.3M
+9.1% YoY
 56%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.2%
-15.0% YoY-34.3% QoQ
 -0.5% 0.8%
+45.0% YoY
 0.8%
+3.2% YoY
 0.4%
-39.2% YoY
 16%
NIM 3.6%
+11.8% YoY+4.3% QoQ
 +0.1% 3.5%
+6.1% YoY
 3.5%
+3.1% YoY
 3.8%
+4.1% YoY
 58%
Efficiency Ratio 86.7%
+1.9% YoY+6.6% QoQ
 +11.1% 75.5%
-3.4% YoY
 78.0%
-8.8% YoY
 84.6%
+2.8% YoY
 85%
Delinquency Rate 0.6%
-10.5% YoY-20.2% QoQ
 -0.1 0.7%
-0.1% YoY
 1.2%
-7.0% YoY
 1.2%
+3.4% YoY
 50%
Loan To Share 69.3%
+10.5% YoY-0.9% QoQ
 -11.3% 80.6%
+0.7% YoY
 52.5%
-2.7% YoY
 65.6%
-1.4% YoY
 19%
AMR $15,692
-0.7% YoY+1.8% QoQ
 $-13K $28,908
+0.7% YoY
 $16,757
+3.3% YoY
 $19,920
+1.6% YoY
 Bottom 1.7% in tier
CD Concentration 29.7%
-8.0% YoY-3.2% QoQ
 +5.4% 24.3% 15.4% 19.8% 70%
Indirect Auto % 42.0%
-1.8% YoY-1.4% QoQ
 +28.2% 13.8% 8.3% 7.7% Bottom 7.0% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Deposit Outflow

decline
#13 of 72 • Bottom 92.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -2.42%
(Tier: 4.30%, National: 64.06%)
worse than tier avg
Member Growth (YoY): 2.22%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
72 of 284 Community CUs have this signature | 98 nationally
→ No prior data (72 CUs now) | New qualifier

Efficiency Drag

risk
#131 of 596 • Bottom 22.5% in tier

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

Why This Signature
Efficiency Ratio: 86.67%
(Tier: 77.94%, National: 84.64%)
worse than tier avg
ROA Change (YoY): -0.04% points
(Tier: 0.05% points, National: -0.45% points)
worse than tier avg
Member Growth (YoY): 2.22%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
702 nationally
↓ Shrinking -84 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#346 of 504 • Bottom 89.3% in tier

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

Why This Signature
Asset Growth (YoY): -1.23%
(Tier: 4.68%, National: 1663.40%)
worse than tier avg
Indirect Auto %: 42.03%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 2.22%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
745 nationally
↓ Shrinking -29 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#219 of 238 • Bottom 83.7% in tier

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

Why This Signature
AMR Growth (YoY): -0.69%
(Tier: 3.74%, National: 6.36%)
worse than tier avg
238 of 284 Community CUs have this signature | 335 nationally
↓ Shrinking -109 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 117 peers in tier

Top Strengths (1 metrics)

7
Total Members
engagement
Value: 81,063
Peer Median: 51,712
#7 of 117 Top 5.1% in 750M-1B tier

Top Weaknesses (10 metrics)

115
Average Member Relationship (AMR)
engagement
Value: $15,692
Peer Median: $26,209
#115 of 117 Bottom 2.6% in 750M-1B tier
115
Loan-to-Member Ratio (LMR)
engagement
Value: $6,423
Peer Median: $11,598
#115 of 117 Bottom 2.6% in 750M-1B tier
110
Indirect Auto Concentration (%)
balance_sheet
Value: 42.03%
Peer Median: 13.79%
#110 of 117 Bottom 6.8% in 750M-1B tier
109
Deposit Growth Rate
growth
Value: -2.42%
Peer Median: 4.60%
#109 of 117 Bottom 7.7% in 750M-1B tier
104
Asset Growth Rate
growth
Value: -1.23%
Peer Median: 4.88%
#104 of 117 Bottom 12.0% in 750M-1B tier
103
AMR Growth Rate
growth
Value: -0.69%
Peer Median: 3.70%
#103 of 117 Bottom 12.8% in 750M-1B tier
100
Efficiency Ratio
profitability
Value: 86.67%
Peer Median: 77.38%
#100 of 117 Bottom 15.4% in 750M-1B tier
98
Return on Assets (ROA)
profitability
Value: 0.23%
Peer Median: 0.63%
#98 of 117 Bottom 17.1% in 750M-1B tier
98
Fee Income Per Member
profitability
Value: $126.09
Peer Median: $187.56
#98 of 117 Bottom 17.1% in 750M-1B tier
95
Loan-to-Share Ratio
balance_sheet
Value: 69.29%
Peer Median: 84.41%
#95 of 117 Bottom 19.7% in 750M-1B tier
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