BlastPoint's Credit Union Scorecard

ERIE LACKAWANNA RAILROAD CO EMP

Charter #4158 · NJ

<100M

2508 CUs in <100M nationally 97 in NJ

ERIE LACKAWANNA RAILROAD CO EMP demonstrates 2 strengths

National Analysis

How does the industry compare?

NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.45% above tier average
+ Members Per Employee (MPE): Top 6.7% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	1,862 -0.1% YoY+0.7% QoQ	-814	2,676 +1.6% YoY	7,451 +5.5% YoY	33,913 +5.7% YoY	49%
Assets	$12.0M +4.7% YoY+3.4% QoQ	$-18.2M	$30.2M +1.3% YoY	$121.0M +5.7% YoY	$578.3M +9.0% YoY	36%
Loans	$3.0M +2.3% YoY+0.6% QoQ	$-12.3M	$15.3M -2.0% YoY	$75.7M +10.1% YoY	$402.4M +8.7% YoY	24%
Deposits	$9.0M +5.7% YoY+4.5% QoQ	$-16.8M	$25.8M +0.7% YoY	$104.6M +7.1% YoY	$494.3M +9.1% YoY	34%

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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	0.6% +26.6% YoY+28.4% QoQ	+0.5%	0.1% -77.6% YoY	0.4% -4.8% YoY	0.4% -39.2% YoY	50%
NIM	3.4% +8.0% YoY+5.1% QoQ	-0.7%	4.0% +4.0% YoY	3.8% +4.3% YoY	3.8% +4.1% YoY	30%
Efficiency Ratio	82.6% -3.1% YoY-3.7% QoQ	-8.1%	90.6% +6.5% YoY	85.6% -4.2% YoY	84.6% +2.8% YoY	52%
Delinquency Rate	0.9% -3.5% YoY-25.2% QoQ	-0.6	1.5% +3.8% YoY	2.4% +59.8% YoY	1.2% +3.4% YoY	61%
Loan To Share	33.6% -3.2% YoY-3.7% QoQ	-25.0%	58.5% -3.0% YoY	51.7% -1.0% YoY	65.6% -1.4% YoY	Bottom 14.8% in tier
AMR	$6,457 +4.9% YoY+2.8% QoQ	$-8K	$14,884 -1.7% YoY	$16,671 +1.3% YoY	$19,920 +1.6% YoY	Bottom 13.1% in tier
CD Concentration	33.8% -1.4% YoY-1.2% QoQ	+9.5%	24.3%	14.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	1.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

170

Members Per Employee (MPE)

engagement

Value: 620.667

Peer Median: 333.750

#170 of 2508 Top 6.7% in <100M tier

268

Net Worth Ratio

risk

Value: 25.03%

Peer Median: 14.28%

#268 of 2508 Top 10.6% in <100M tier

516

Deposit Growth Rate

growth

Value: 5.67%

Peer Median: 0.66%

#516 of 2508 Top 20.5% in <100M tier

Top Weaknesses (7 metrics)

2256

Loan-to-Member Ratio (LMR)

engagement

Value: $1,622

Peer Median: $4,923

#2256 of 2508 Bottom 10.1% in <100M tier

2190

Share Certificate Concentration (%)

balance_sheet

Value: 33.75%

Peer Median: 12.45%

#2190 of 2508 Bottom 12.7% in <100M tier

2179

Average Member Relationship (AMR)

engagement

Value: $6,457

Peer Median: $13,926

#2179 of 2508 Bottom 13.2% in <100M tier

2140

Fee Income Per Member

profitability

Value: $4.58

Peer Median: $60.42

#2140 of 2508 Bottom 14.7% in <100M tier

2134

Loan-to-Share Ratio

balance_sheet

Value: 33.55%

Peer Median: 58.72%

#2134 of 2508 Bottom 15.0% in <100M tier

2074

Net Charge-Off Rate

risk

Value: 0.83%

Peer Median: 0.07%

#2074 of 2508 Bottom 17.3% in <100M tier

1901

Total Loans

balance_sheet

Value: $3.02M

Peer Median: $9.48M

#1901 of 2508 Bottom 24.2% in <100M tier