ERIE LACKAWANNA RAILROAD CO EMP
Charter #4158 · Hoboken, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 25.03% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 2.10% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.83% sits at the 80th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 9th percentile but its structural peers at the 36th — a 27-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 LACKAWANNA RAILROAD CO EMP | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $12.03M | 9th pct | 36th pct |
| Members | 1,862 | 41th pct | 62th pct |
| Net worth ratio | 25.03% | 95th pct | 79th pct |
| Return on average assets | 0.61% | 48th pct | 31th pct |
| Net interest margin | 3.41% | 31th pct | 36th pct |
| Cost of funds | 2.10% | 92th pct | 95th pct |
| Loan-to-share | 33.55% | 13th pct | 31th pct |
| Delinquency 60+ days | 0.90% | 65th pct | 52th pct |
| Net charge-off ratio | 0.83% | 82th pct | 80th pct |
| Loan growth YoY | 2.17% | 83th pct | 84th pct |
| Share growth YoY | 6.03% | 81th pct | 82th pct |
| Efficiency ratio | 82.56% | 56th pct | 66th pct |
structural peer set hash: 75bcc4b5997990fda7d6933b95313a61… (reproducible)
Closest structural peers
This is the free public view
Claim ERIE LACKAWANNA RAILROAD CO EMP
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.