ERIE COMMUNITY
Charter #12616 · Sandusky, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.95% sits at the 3rd percentile of structural peers — worth a closer look.
- Return on average assets of 1.02% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.09% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 68.12% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 83rd percentile but its structural peers at the 44th — a 39-point gap showing why the peer definition matters.
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 | ERIE COMMUNITY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $40.30M | 83th pct | 44th pct |
| Members | 3,449 | 84th pct | 49th pct |
| Net worth ratio | 7.95% | 5th pct | 3th pct |
| Return on average assets | 1.02% | 69th pct | 75th pct |
| Net interest margin | 4.09% | 62th pct | 80th pct |
| Cost of funds | 1.12% | 63th pct | 62th pct |
| Loan-to-share | 62.28% | 58th pct | 52th pct |
| Delinquency 60+ days | 1.26% | 73th pct | 70th pct |
| Net charge-off ratio | 0.36% | 65th pct | 62th pct |
| Loan growth YoY | 10.60% | 98th pct | 97th pct |
| Share growth YoY | 9.34% | 94th pct | 90th pct |
| Efficiency ratio | 68.12% | 23th pct | 7th pct |
structural peer set hash: af780380945c4e2975fc740cc77461c5… (reproducible)
Closest structural peers
This is the free public view
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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.