BlastPoint's Credit Union Scorecard
ERIE
Charter #1476 · PA
ERIE has 1 strength but faces 8 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Total Members: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 34.5% in tier
- - Credit Risk Growth: Bottom 39.0% in tier
- - Credit Quality Pressure: Bottom 51.3% in tier
- - Indirect Auto Dependency: Bottom 90.0% in tier
- - Shrinking Wallet Share: Bottom 92.5% in tier
- - Deposit Outflow: Bottom 94.2% in tier
- - ROA 0.39% below tier average
- - Efficiency ratio 6.93% above tier (higher cost structure)
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% |
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| 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% | Bottom 6.9% in tier |
Signature Analysis
Strengths (0)
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)