BlastPoint's Credit Union Scorecard
ERIE CITY EMPLOYEES
Charter #8913 · PA
ERIE CITY EMPLOYEES has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.26% above tier average
- + Net Interest Margin 0.50% above tier average
- + Efficiency Ratio: Top 2.2% in tier
- + Net Charge-Off Rate: Top 2.7% in tier
- + Loan-to-Share Ratio: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 3.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
817
-1.2% YoY+0.2% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
24% |
| Assets |
$7.9M
+2.7% YoY+0.5% QoQ
|
$-22.3M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
27% |
| Loans |
$5.7M
+4.2% YoY-3.2% QoQ
|
$-9.6M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
38% |
| Deposits |
$6.1M
+0.6% YoY-0.2% QoQ
|
$-19.7M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
26% |
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| ROA |
0.4%
-34.7% YoY-77.8% QoQ
|
+0.3% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
40% |
| NIM |
4.5%
-1.9% YoY+7.9% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
77% |
| Efficiency Ratio |
41.1%
-31.0% YoY-24.7% QoQ
|
-49.5% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Top 2.2% in tier |
| Delinquency Rate |
0.1%
-20.6% YoY+67.5% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
24% |
| Loan To Share |
94.0%
+3.6% YoY-2.9% QoQ
|
+35.5% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Top 5.5% in tier |
| AMR |
$14,425
+3.5% YoY-1.9% QoQ
|
$-459 |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
52% |
| CD Concentration |
50.3%
+6.8% YoY-1.6% QoQ
|
+26.1% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 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)