TellerScore

Erie City Employees Federal Credit Union is a federal credit union headquartered in Erie, Pennsylvania, in business for about 73 years. At the end of Q2 2026 it reported $8.2M in total assets and $6.3M in member shares and deposits.

Erie City Employees Federal Credit Union has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 87% of its 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 44th. Capital cushion contributes the most (100/100, 22.70%); funding & liquidity contributes the least (70/100, 91% loans-to-deposits, 0% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 22.70%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.10%
Earnings74/100
Return on assets (annualized): 1.36%
Funding & liquidity70/100
Loans ÷ shares: 90.6% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.31%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (83 → 89), mostly because the earnings component improved by 27 points.

TellerScore
778593Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202481
Q3 202479
Q4 202477
Q1 202583
Q2 202583
Q3 202593
Q4 202592
Q1 202681
Q2 202689
Net worth ratio
7.00%14.95%22.90%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202420.90%
Q3 202420.95%
Q4 202421.44%
Q1 202520.95%
Q2 202521.21%
Q3 202521.51%
Q4 202522.07%
Q1 202622.90%
Q2 202622.70%
Delinquent loans (60+ days)
0.00%0.47%0.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.69%
Q4 20240.93%
Q1 20250.16%
Q2 20250.18%
Q3 20250.16%
Q4 20250.08%
Q1 20260.13%
Q2 20260.10%
Return on assets
0.08%1.42%2.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.08%
Q3 20240.64%
Q4 20240.75%
Q1 20250.61%
Q2 20250.67%
Q3 20252.76%
Q4 20251.80%
Q1 20260.40%
Q2 20261.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$8.2M22.70%0.10%1.36%90.6%
Q1 202681$7.9M22.90%0.13%0.40%94.0%
Q4 202592$7.8M22.07%0.08%1.80%96.8%
Q3 202593$7.7M21.51%0.16%2.76%95.2%
Q2 202583$7.6M21.21%0.18%0.67%92.6%
Q1 202583$7.6M20.95%0.16%0.61%90.8%
Q4 202477$7.4M21.44%0.93%0.75%90.2%
Q3 202479$7.5M20.95%0.69%0.64%88.0%
Q2 202481$7.3M20.90%0.00%0.08%84.1%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio22.70%
85th
Problem loans0.10%
80th
Net charge-offs-0.29%
97th
Return on assets1.36%
82nd
Loans to deposits90.6%
9th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.3%
78th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Phb Employees Federal Credit UnionCredit union Fairview, PA75 out of 100, Strong$8.2M20.8%2.05%vs
Team First Federal Credit UnionCredit union Lancaster, PA47 out of 100, Below average$8.1M13.5%3.30%vs
Allegheny Central Federal Credit UnionCredit union Dunbar, PA95 out of 100, Very strong$8.2M20.8%0.18%vs
Crayola Llc Employees Credit UnionCredit union Easton, PA68 out of 100, Moderate$8.3M21.9%2.11%vs
U F C W Local 1776 Federal Credit UnionCredit union Plymouth Meetin, PA82 out of 100, Strong$8.4M14.0%0.12%vs
U.F.C.W. Local 23 Federal Credit UnionCredit union Canonsburg, PA59 out of 100, Moderate$8.4M16.4%3.68%vs

Deposit insurance

Is my money safe at Erie City Employees Federal Credit Union?

Yes. Erie City Employees Federal Credit Union is a federally insured credit union (NCUA charter #8913). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 22.70%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Erie City Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
8913
RSSD ID
334086
Primary regulator
NCUA
Established
1953
Headquarters
5 E 34th St, Erie, PA 16504
Employees
3

Quick answers

Erie City Employees Federal Credit Union: common questions

Is Erie City Employees Federal Credit Union NCUA insured?

Yes. Erie City Employees Federal Credit Union is a federally insured credit union (NCUA charter #8913). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Erie City Employees Federal Credit Union's TellerScore?

89 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.