GREAT ERIE

Charter #7925 | NY

100M-500M (1077 CUs) Micro
52 100M-500M in NY

GREAT ERIE shows strong momentum with 9 strengths and 7.1% YoY member growth

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 0.9% in tier
  • + Organic Growth Engine: Top 1.3% in tier
  • + Organic Growth Leader: Top 3.6% in tier
  • + ROA 0.67% above tier average
  • + Strong member growth: 7.1% YoY
  • + Net Charge-Off Rate: Top 2.0% in tier
  • + Member Growth Rate: Top 5.6% in tier
  • + Total Delinquency Rate (60+ days): Top 7.5% in tier
  • + Asset Growth Rate: Top 9.8% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 9,496
+7.1% YoY-7.1% QoQ
 -6.1K 15,628
-3.4% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 26th in tier
Assets $147.7M
+10.4% YoY+0.0% QoQ
 $-83.6M $231.3M
-0.0% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 30th in tier
Loans $96.4M
+3.0% YoY+2.6% QoQ
 $-51.4M $147.8M
-1.4% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 32nd in tier
Deposits $129.9M
+10.2% YoY-0.5% QoQ
 $-70.4M $200.3M
-0.0% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 30th in tier
ROA 1.5%
+53.7% YoY+41.5% QoQ
 +0.7% 0.8%
+15.5% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 Top 13.5% in tier
NIM 3.4%
+14.0% YoY+1.7% QoQ
 -0.2% 3.6%
+6.9% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 39th in tier
Efficiency Ratio 66.9%
-5.1% YoY-10.1% QoQ
 -10.4% 77.3%
-3.0% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 Bottom 18.0% in tier
Delinquency Rate 0.1%
-35.8% YoY-63.1% QoQ
 -0.7 0.9%
+7.6% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 Bottom 7.5% in tier
Loan To Share 74.2%
-6.5% YoY+3.1% QoQ
 +1.5% 72.7%
-1.5% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 50th in tier
AMR $23,830
-0.1% YoY+8.4% QoQ
 $-533 $24,363
+2.9% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 59th in tier
CD Concentration 22.2%
+12.6% YoY+20.8% QoQ
 -2.2% 24.4%
+4.2% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 6.4%
-20.3% YoY-5.0% QoQ
 -7.6% 14.0%
-5.8% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#18 of 627 • Top 0.9% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.46%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 7.08%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Engine

growth
#25 of 603 • Top 1.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 7.08%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.46%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 6.37%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Organic Growth Leader

growth
#48 of 430 • Top 3.6% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 7.08%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

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)

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

23
Net Charge-Off Rate
risk
Value: 0.00%
Peer Avg: 0.47%
#23 of 1077 Top 2.0% in 100M-500M tier
61
Member Growth Rate
growth
Value: 7.08%
Peer Avg: 0.72%
#61 of 1077 Top 5.6% in 100M-500M tier
82
Total Delinquency Rate (60+ days)
risk
Value: 0.14%
Peer Avg: 0.86%
#82 of 1077 Top 7.5% in 100M-500M tier
107
Asset Growth Rate
growth
Value: 10.45%
Peer Avg: 4.70%
#107 of 1077 Top 9.8% in 100M-500M tier
121
Deposit Growth Rate
growth
Value: 10.16%
Peer Avg: 4.69%
#121 of 1077 Top 11.1% in 100M-500M tier
145
Return on Assets (ROA)
profitability
Value: 1.46%
Peer Avg: 0.79%
#145 of 1077 Top 13.4% in 100M-500M tier
195
Efficiency Ratio
profitability
Value: 66.85%
Peer Avg: 77.28%
#195 of 1077 Top 18.0% in 100M-500M tier

Top Weaknesses (1 metrics)

851
AMR Growth Rate
growth
Value: -0.10%
Peer Avg: 3.64%
#851 of 1077 Bottom 21.1% in 100M-500M tier