Federal credit union · Erie, Pennsylvania · NCUA charter #8913
Erie City Employees
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $7.8M
- Total assets
- 815
- Members
- 22.9%
- Net-worth ratio
Erie City Employees scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.8M; members 815; net-worth ratio 22.90%; health rank #1,550 of 4,374; healthier than 60th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,550 of 4,374 health · 2025Q4Erie City Employees · health 87/100 · $7.8M · 2025Q4
- CAMELS 87/100
- HEALTH 22.9%
- NW 0.08%
- DELQ 0.71%
- ROA $7.8M
- ASSETS 815
- MEM #1,550/4,374
- RANK n/a
- PHOTO 8913
Call Report peers
Erie City Employees carries $7.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Erie City Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
87 Top 40% higher than 60% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
Where Erie City Employees diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 96.81% vs peer 63.60% (+33.21 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Erie City Employees in Pennsylvania
- In Pennsylvania, health place is #72 of 275 on the same NCUA-ratio sort used nationally.
- By total assets, Erie City Employees is #224 of 275 in Pennsylvania.
- Member book place in Pennsylvania: #227 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Erie City Employees: 2025Q4 → 2026Q1
Erie City Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $7.8M (2025Q4) to $7.9M (2026Q1).
- Net-worth ratio shifted +0.83 pp (22.07% → 22.90%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 22.90% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 87/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.5 pts
- Loan-to-Share Ratio 11.5 pts
Erie City Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.90% | +3.84 pp |
| Delinquency Rate | 0.08% | -1.73 pp |
| Return on Assets | 0.71% | +0.25 pp |
| Member Growth | -1.93% | - |
| Loan-to-Share Ratio | 96.81% | +33.21 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Erie City Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.9M | - |
| 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
Branch Location
The NCUA branch filing lists a single physical office for Erie City Employees.
| Office | City |
|---|---|
| Erie City Employees Federal Credit Union (Main Office) | Erie, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Erie City Employees, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
Using this data
- Erie City Employees ranks #1,550 of 4,374 nationally on financial health and #72 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- URE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with URE
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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 the national health ranking (same basis as /rankings/healthiest), it sits at #1,550 of 4,374; by total assets it ranks #3,684 of 4,374 nationally (same basis as /rankings/largest); and #224 of 275 within Pennsylvania. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 22.90% 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 22.90% 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.
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.