BlastPoint's Credit Union Scorecard
ERIE COUNTY EMPLOYEES
Charter #62923 · NY
ERIE COUNTY EMPLOYEES has 1 strength but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.2% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,849
-2.2% YoY-0.3% QoQ
|
+1.2K |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
77% |
| Assets |
$31.7M
+2.8% YoY+1.2% QoQ
|
+$1.6M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
61% |
| Loans |
$8.3M
-15.2% YoY-4.6% QoQ
|
$-7.4M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
46% |
| Deposits |
$27.3M
+2.5% YoY+1.2% QoQ
|
+$1.7M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
62% |
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| ROA |
0.6%
+16.4% YoY-32.3% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
44% |
| NIM |
2.9%
+18.0% YoY+0.2% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
16% |
| Efficiency Ratio |
81.9%
-2.7% YoY+12.0% QoQ
|
-0.7% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
56% |
| Delinquency Rate |
1.1%
+71.6% YoY+137.7% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
64% |
| Loan To Share |
30.5%
-17.3% YoY-5.7% QoQ
|
-30.1% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 10.6% in tier |
| AMR |
$9,271
-0.1% YoY+0.1% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
25% |
| CD Concentration |
3.7%
+10.2% YoY-4.7% QoQ
|
-20.8% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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)