Federal credit union · Erie, Pennsylvania · NCUA charter #1476
ERIE
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $795.7M
- Total assets
- 80,843
- Members
- 10.0%
- Net-worth ratio
ERIE scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $795.7M; members 80,843; net-worth ratio 10.00%; health rank #838 of 4,374; healthier than 80th of scored peers.
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ERIE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ERIE sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
ERIE vs Over $500M peers
- Largest favorable gap: Delinquency Rate at 0.71% vs peer 0.87% (-0.17 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -14.01 pp (69.89% vs 83.90%).
ERIE in Pennsylvania
- In Pennsylvania, health place is #36 of 275 on the same NCUA-ratio sort used nationally.
- Assets rank #20 of 275 inside Pennsylvania ($795.7M reported).
- Pennsylvania membership ordinal: #12 of 275.
- One place up in Pennsylvania, Century Heritage (#35) ties at 92/100; one place down, Merck Sharp & Dohme (#37) ties at 92/100.
ERIE: 2025Q4 → 2026Q1
ERIE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $795.7M (2025Q4) to $813.8M (2026Q1).
- Net-worth ratio shifted -0.18 pp (10.18% → 10.00%).
10.00% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
ERIE gives up 8 points in total. Return on Assets costs the most, 3 of its 15; Loan-to-Share Ratio and Net Worth Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.9 pts
- Return on Assets 12.0 pts
- Member Growth 12.4 pts
- Loan-to-Share Ratio 14.7 pts
ERIE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.00% | -1.18 pp |
| Delinquency Rate | 0.71% | -0.17 pp |
| Return on Assets | 0.30% | -0.21 pp |
| Member Growth | 2.83% | - |
| Loan-to-Share Ratio | 69.89% | -14.01 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - ERIE
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $813.8M | - |
| 2025Q4 | $795.7M | 80,843 |
| 2024Q4 | $805.3M | 78,620 |
| 2023Q4 | $779.4M | 76,010 |
Credit Union Details
- Charter Number
- 1476
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Pennsylvania
- City
- Erie
- Data Quarter
- 2025Q4
Branch Locations (12)
ERIE operates 12 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Glenwood Facility (Main Office) | Erie, PA |
| Edinboro | Edinboro, PA |
| 38th Street | Erie, PA |
| Buffalo Road | Erie, PA |
| Bayfront | Erie, PA |
| State Street | Erie, PA |
| Zuck Road | Erie, PA |
| West 32nd Street Office | Erie, PA |
| Walmart Office | Erie, PA |
| Lord Corp | Erie, PA |
| Glenwood Branch | Erie, PA |
| Fairview Office | Fairview, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
ERIE nationwide neighbourhoods
Using this data
- ERIE ranks #838 of 4,374 nationally on financial health and #36 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Service 1st is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Service 1st
Frequently Asked Questions
Is ERIE financially healthy?
ERIE has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #838 of 4,374 nationally on health and #36 of 275 in Pennsylvania. Its net worth ratio is 10.00% and its delinquency rate 0.71%.
How does ERIE compare to other credit unions?
ERIE scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.71% vs 0.87%). Its widest shortfall is loan-to-share ratio (69.89% vs 83.90%).
How can I join ERIE?
ERIE operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact ERIE directly for the exact boundaries and application steps.
Is my money safe at ERIE?
ERIE is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ERIE's net worth ratio of 10.00% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.