ERIE CITY EMPLOYEES
Charter #8913 · Erie, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 2.10% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.58% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 41.15% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 86th percentile but its structural peers at the 57th — a 28-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 CITY EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.85M | 86th pct | 57th pct |
| Members | 817 | 72th pct | 52th pct |
| Net worth ratio | 22.90% | 69th pct | 56th pct |
| Return on average assets | 0.41% | 50th pct | 31th pct |
| Net interest margin | 4.52% | 65th pct | 48th pct |
| Cost of funds | 2.10% | 89th pct | 79th pct |
| Loan-to-share | 94.00% | 90th pct | 74th pct |
| Delinquency 60+ days | 0.13% | 32th pct | 28th pct |
| Net charge-off ratio | -0.58% | 6th pct | 2th pct |
| Loan growth YoY | -0.28% | 73th pct | 59th pct |
| Share growth YoY | 0.96% | 56th pct | 44th pct |
| Efficiency ratio | 41.15% | 5th pct | 2th pct |
structural peer set hash: 50e16ac9107f922f13865b8ac17c080d… (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.