ERIE
Charter #1476 · Erie, PA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 81,063 ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.23% sits at the 10th percentile of structural peers — worth a closer look.
- Efficiency ratio of 86.67% sits at the 90th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 98th percentile but its structural peers at the 77th — a 20-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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $813.79M | 72th pct | 54th pct |
| Members | 81,063 | 98th pct | 77th pct |
| Net worth ratio | 10.00% | 43th pct | 43th pct |
| Return on average assets | 0.23% | 18th pct | 10th pct |
| Net interest margin | 3.62% | 60th pct | 61th pct |
| Cost of funds | 1.40% | 44th pct | 51th pct |
| Loan-to-share | 69.29% | 22th pct | 31th pct |
| Delinquency 60+ days | 0.56% | 49th pct | 48th pct |
| Net charge-off ratio | 0.41% | 50th pct | 33th pct |
| Loan growth YoY | 4.14% | 84th pct | 89th pct |
| Share growth YoY | 0.77% | 10th pct | 15th pct |
| Efficiency ratio | 86.67% | 82th pct | 90th pct |
structural peer set hash: 4cc9f38594c7dbafba577eea2fb06a92… (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.