Federal credit union · Erie, Pennsylvania · NCUA charter #8913
Erie City Employees
Health score 87/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $7.8M
- Total assets
- 815
- Members
- 19.3%
- Net-worth ratio
Erie City Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #8913 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Erie City Employees - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth37
- Liquidity (loan-to-share)80
Weighted composite: 87/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 19.32% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 19.32% | 30% |
| Delinquency Rate | 0.08% | 25% |
| Return on Assets | 0.71% | 15% |
| Member Growth | -1.93% | 15% |
| Loan-to-Share Ratio | 96.81% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $7.8M | 815 |
| 2024Q4 | $7.4M | 831 |
| 2023Q4 | $7.2M | 836 |
Credit Union Details
- Charter Number
- 8913
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- Erie
- Data Quarter
- 2025Q4
What This Data Says About Erie City Employees
Headquartered in Erie, Pennsylvania, Erie City Employees is a federal credit union with 815 members, $7.8M in total assets, and $5.9M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 87/100 (Excellent), driven in part by a net worth ratio of 19.32% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #8913 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Two more numbers round out the picture: a 0.08% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers - and a 96.81% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.71% on net income of $55K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.93%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Low Income) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Erie City Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Erie City Employees carries a financial health score of 87/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 19.32% net worth ratio and a 0.08% delinquency rate.
How does Erie City Employees compare to other credit unions?
Erie City Employees scores 87/100 on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Erie City Employees?
Erie City Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Erie City Employees directly to confirm current membership steps.
Is my money safe at Erie City Employees?
Federal credit unions like Erie City Employees are 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 City Employees's net worth ratio of 19.32% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Erie City Employees offer compared to banks?
Credit unions like Erie City Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Erie City Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.