LOCOMOTIVE & CONTROL EMPLOYEES
Charter #1111 · Erie, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 901 sits at the 20th percentile of structural peers — worth a closer look.
- Net worth ratio of 26.14% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.45% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.01% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 54.30% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | LOCOMOTIVE & CONTROL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $19.88M | 35th pct | 44th pct |
| Members | 901 | 3th pct | 20th pct |
| Net worth ratio | 26.14% | 96th pct | 80th pct |
| Return on average assets | 1.45% | 85th pct | 77th pct |
| Net interest margin | 3.45% | 32th pct | 57th pct |
| Cost of funds | 0.88% | 52th pct | 41th pct |
| Loan-to-share | 31.83% | 11th pct | 30th pct |
| Delinquency 60+ days | 0.98% | 67th pct | 66th pct |
| Net charge-off ratio | -0.01% | 19th pct | 20th pct |
| Loan growth YoY | -4.11% | 37th pct | 39th pct |
| Share growth YoY | 2.15% | 46th pct | 48th pct |
| Efficiency ratio | 54.30% | 5th pct | 18th pct |
structural peer set hash: 2a79c0750c6127e24db50c47ccb73d57… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.