BlastPoint's Credit Union Scorecard
ERIE POLICE
Charter #8626 · PA
<100M
2556 CUs in <100M nationally
190 in PA
ERIE POLICE has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.62% above tier average
- + Net Interest Margin 0.62% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Net Charge-Off Rate: Top 3.0% in tier
- + Net Worth Ratio: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.2% YoY
- - Fee Income Per Member: Bottom 5.6% in tier
- - Deposit Growth Rate: Bottom 5.9% in tier
- - Asset Growth Rate: Bottom 8.8% in tier
- - Members Per Employee (MPE): Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
431
-4.2% YoY+0.2% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 11.9% in tier |
| Assets |
$2.4M
-7.0% YoY-4.2% QoQ
|
$-27.8M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.7% in tier |
| Loans |
$1.5M
-4.6% YoY+5.3% QoQ
|
$-14.3M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.4% in tier |
| Deposits |
$1.7M
-10.9% YoY-5.9% QoQ
|
$-24.0M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.4% in tier |
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| ROA |
1.2%
+85.9% YoY+9.9% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
76% |
| NIM |
4.6%
+117.7% YoY+4.6% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
75% |
| Efficiency Ratio |
72.9%
+6.6% YoY-1.7% QoQ
|
-9.7% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
33% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
86.7%
+7.0% YoY+12.0% QoQ
|
+26.1% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Top 13.5% in tier |
| AMR |
$7,399
-4.0% YoY-1.3% QoQ
|
$-7K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
16% |
| CD Concentration |
8.3%
-26.0% YoY+5.2% QoQ
|
-16.2% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 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)
Top Strengths (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
77
Net Charge-Off Rate
risk
Value:
-0.14%
Peer Median: -
#77 of 2556
Top 3.0% in <100M tier
204
Net Worth Ratio
risk
Value:
27.62%
Peer Median: -
#204 of 2556
Top 7.9% in <100M tier
342
Loan-to-Share Ratio
balance_sheet
Value:
86.70%
Peer Median: -
#342 of 2556
Top 13.3% in <100M tier
616
Return on Assets (ROA)
profitability
Value:
1.24%
Peer Median: -
#616 of 2556
Top 24.1% in <100M tier
629
Net Interest Margin (NIM)
profitability
Value:
4.57%
Peer Median: -
#629 of 2556
Top 24.6% in <100M tier
Top Weaknesses (11 metrics)
2415
Fee Income Per Member
profitability
Value:
$0.49
Peer Median: -
#2415 of 2556
Bottom 5.6% in <100M tier
2406
Deposit Growth Rate
growth
Value:
-10.86%
Peer Median: -
#2406 of 2556
Bottom 5.9% in <100M tier
2331
Asset Growth Rate
growth
Value:
-6.96%
Peer Median: -
#2331 of 2556
Bottom 8.8% in <100M tier
2316
Members Per Employee (MPE)
engagement
Value:
143.667
Peer Median: -
#2316 of 2556
Bottom 9.4% in <100M tier
2289
Total Deposits
balance_sheet
Value:
$1.71M
Peer Median: -
#2289 of 2556
Bottom 10.5% in <100M tier
2282
Total Assets
balance_sheet
Value:
$2.37M
Peer Median: -
#2282 of 2556
Bottom 10.8% in <100M tier
2253
Total Members
engagement
Value:
431
Peer Median: -
#2253 of 2556
Bottom 11.9% in <100M tier
2187
Total Loans
balance_sheet
Value:
$1.48M
Peer Median: -
#2187 of 2556
Bottom 14.5% in <100M tier
2137
Average Member Relationship (AMR)
engagement
Value:
$7,399
Peer Median: -
#2137 of 2556
Bottom 16.4% in <100M tier
2058
AMR Growth Rate
growth
Value:
-4.01%
Peer Median: -
#2058 of 2556
Bottom 19.5% in <100M tier