BlastPoint's Credit Union Scorecard

ERIE CITY EMPLOYEES

Charter #8913 ยท PA

2596 CUs in <100M nationally 198 in PA

ERIE CITY EMPLOYEES has 5 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 2.09% above tier average
  • + Net Interest Margin 0.57% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + First Mortgage Concentration (%): Top 0.0% in tier
  • + Loan-to-Share Ratio: Top 6.9% in tier

Key Concerns

Areas that may need attention

  • - Share Certificate Concentration (%): Bottom 3.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 832
+0.4% YoY+1.1% QoQ
-1.8K 2,625
-2.2% YoY
17,552
+5.9% YoY
33,089
+6.1% YoY
24%
Assets $7.7M
+2.8% YoY+1.2% QoQ
$-22.2M $29.9M
+1.1% YoY
$283.8M
+10.6% YoY
$547.7M
+7.8% YoY
27%
Loans $5.7M
+10.4% YoY+3.6% QoQ
$-10.0M $15.8M
-2.4% YoY
$193.1M
+8.6% YoY
$388.7M
+8.6% YoY
37%
Deposits $6.0M
+2.0% YoY+0.8% QoQ
$-19.4M $25.5M
+0.4% YoY
$243.3M
+10.9% YoY
$464.6M
+9.3% YoY
26%

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Tier 1
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ROA 2.8%
+328.1% YoY+312.9% QoQ
+2.1% 0.7%
-731.4% YoY
0.8%
+22.9% YoY
0.7%
+273.4% YoY
Top 2.8% in tier
NIM 4.5%
+23.3% YoY+4.4% QoQ
+0.6% 3.9%
+3.8% YoY
3.5%
+4.5% YoY
3.7%
+5.0% YoY
73%
Efficiency Ratio 56.3%
-23.2% YoY-7.9% QoQ
-25.1% 81.4%
-2.4% YoY
76.2%
-1.5% YoY
79.1%
-3.3% YoY
Bottom 10.4% in tier
Delinquency Rate 0.2%
-77.2% YoY-12.3% QoQ
-1.4 1.5%
-2.0% YoY
1.3%
-8.2% YoY
1.2%
-0.9% YoY
24%
Loan To Share 95.2%
+8.2% YoY+2.8% QoQ
+33.9% 61.2%
-3.0% YoY
55.4%
-2.3% YoY
68.0%
-1.7% YoY
Top 7.1% in tier
AMR $14,115
+5.6% YoY+1.0% QoQ
$-511 $14,627
-2.7% YoY
$16,339
+4.2% YoY
$19,418
+1.3% YoY
52%
CD Concentration 50.0%
+12.5% YoY+7.4% QoQ
+25.6% 24.4%
+4.2% YoY
15.5%
+9.2% YoY
19.6%
+6.2% YoY
50%
Indirect Auto % 0.0% -14.0% 14.0%
-5.7% YoY
8.0%
+2.0% YoY
7.9%
-2.9% YoY
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)

Comparing against 2596 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: -
#1 of 2596 Top 0.0% in <100M tier
73
Return on Assets (ROA)
profitability
Value: 2.78%
Peer Avg: -
#73 of 2596 Top 2.8% in <100M tier
181
Loan-to-Share Ratio
balance_sheet
Value: 95.16%
Peer Avg: -
#181 of 2596 Top 6.9% in <100M tier
264
Loan Growth Rate
growth
Value: 10.36%
Peer Avg: -
#264 of 2596 Top 10.1% in <100M tier
270
Efficiency Ratio
profitability
Value: 56.28%
Peer Avg: -
#270 of 2596 Top 10.4% in <100M tier
463
Net Worth Ratio
risk
Value: 21.51%
Peer Avg: -
#463 of 2596 Top 17.8% in <100M tier
618
AMR Growth Rate
growth
Value: 5.55%
Peer Avg: -
#618 of 2596 Top 23.8% in <100M tier
634
Total Delinquency Rate (60+ days)
risk
Value: 0.16%
Peer Avg: -
#634 of 2596 Top 24.4% in <100M tier

Top Weaknesses (3 metrics)

2511
Share Certificate Concentration (%)
balance_sheet
Value: 50.04%
Peer Avg: -
#2511 of 2596 Bottom 3.3% in <100M tier
2323
Fee Income Per Member
profitability
Value: $2.35
Peer Avg: -
#2323 of 2596 Bottom 10.6% in <100M tier
1975
Total Members
engagement
Value: 832
Peer Avg: -
#1975 of 2596 Bottom 24.0% in <100M tier
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