Erie County Employees

BUFFALO, NY · 2 · Charter #62923 · www.eriecountycreditunion.ne
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$31.7M
79th percentile
Members
3,849
93th percentile
Total loans
$8.3M
59th percentile
Total shares
$27.3M
80th percentile

Profitability

Return on assets
0.57%
39th percentile
Net interest margin
2.88%
16th percentile
Efficiency ratio
76.64%
30th percentile
Non-interest income ratio
8.67%
48th percentile

Capital & Risk

Net worth ratio
13.25%
39th percentile
Delinquency rate
1.14%
38th percentile
Net charge-off rate
0.10%
61th percentile
Loan-to-share
30.51%
12th percentile

Growth

Member growth YoY
-2.16%
42th percentile
Asset growth YoY
2.80%
61th percentile
Loan growth YoY
-15.24%
11th percentile
Share growth YoY
2.50%
61th percentile

Operations

Members / branch
3,849
97th percentile
Assets / member
$8,246
41th percentile
Field of membership penetration
48.11%
64th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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