BlastPoint's Credit Union Scorecard
ERIE LACKAWANNA RAILROAD CO EMP
Charter #4158 · NJ
ERIE LACKAWANNA RAILROAD CO EMP has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 6.7% in tier
- + Net Worth Ratio: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.23% below tier average
- - Efficiency ratio 4.29% above tier (higher cost structure)
- - Delinquency rate 0.02% above tier average
- - Loan-to-Member Ratio (LMR): Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,863
-0.7% YoY-0.2% QoQ
|
-762 |
2,625
-2.2% YoY
|
7,324
+5.9% YoY
|
33,089
+6.1% YoY
|
48% |
| Assets |
$11.5M
+3.7% YoY-0.4% QoQ
|
$-18.4M |
$29.9M
+1.1% YoY
|
$116.8M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
35% |
| Loans |
$3.0M
-10.1% YoY-3.8% QoQ
|
$-12.8M |
$15.8M
-2.4% YoY
|
$73.2M
+8.5% YoY
|
$388.7M
+8.6% YoY
|
24% |
| Deposits |
$8.5M
+4.3% YoY-0.8% QoQ
|
$-17.0M |
$25.5M
+0.4% YoY
|
$98.4M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
33% |
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 |
0.5%
-45.5% YoY+8.2% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.5%
+264.7% YoY
|
0.7%
+273.4% YoY
|
34% |
| NIM |
3.1%
-7.6% YoY+0.8% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.8%
+6.0% YoY
|
3.7%
+5.0% YoY
|
21% |
| Efficiency Ratio |
85.7%
+13.0% YoY-1.1% QoQ
|
+4.3% |
81.4%
-2.4% YoY
|
84.8%
-21.5% YoY
|
79.1%
-3.3% YoY
|
68% |
| Delinquency Rate |
1.5%
+73.7% YoY-1.6% QoQ
|
+0.0 |
1.5%
-2.0% YoY
|
1.9%
+8.8% YoY
|
1.2%
-0.9% YoY
|
73% |
| Loan To Share |
34.8%
-13.8% YoY-3.1% QoQ
|
-26.4% |
61.2%
-3.0% YoY
|
53.7%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 13.7% in tier |
| AMR |
$6,145
+0.9% YoY-1.4% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$15,980
-4.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.3% in tier |
| CD Concentration |
33.0%
-5.6% YoY-2.8% QoQ
|
+8.6% |
24.4%
+4.2% YoY
|
14.2%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.9%
-16.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)