Federal credit union · Sandusky, Ohio · NCUA charter #12616
Erie Community
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $39.8M
- Total assets
- 3,448
- Members
- 8.0%
- Net-worth ratio
Erie Community scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $39.8M; members 3,448; net-worth ratio 7.95%; health rank #3,432 of 4,374; healthier than 21st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,432 of 4,374 health · 2025Q4Erie Community · health 73/100 · $39.8M · 2025Q4
- NCUSIF 73/100
- CAMELS 8.0%
- HEALTH 2.21%
- NW 1.01%
- DELQ $39.8M
- ROA 3,448
- ASSETS #3,432/4,374
- MEM Northwest Municipal
- RANK 12616
Call Report peers
Erie Community in the assets neighbourhood
Erie Community's $39.8M assets sit next to Northwest Municipal ($39.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Erie Community 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
73 21st percentile higher than 21% 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 Community - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #12616: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Erie Community: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 61.09% here, 59.80% peer average (+1.29 pp).
- Largest lag: Net Worth Ratio at 7.95% vs peer 14.86% (-6.91 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Erie Community in Ohio
- Health composite ranks #158 of 196 among scored Ohio credit unions.
- Ohio assets place: #118 of 196.
- Member book place in Ohio: #119 of 196.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Erie Community's 5300 filing moved
Erie Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $39.8M (2025Q4) to $40.3M (2026Q1).
- Net-worth ratio shifted +0.15 pp (7.80% → 7.95%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
7.95% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 73/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- Net Worth Ratio 24.9 pts
- Delinquency Rate 11.2 pts
- Return on Assets 15.0 pts
- Member Growth 8.9 pts
- Loan-to-Share Ratio 13.0 pts
Call Report ratios for Erie Community
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.95% | -6.91 pp |
| Delinquency Rate | 2.21% | +1.07 pp |
| Return on Assets | 1.01% | +0.30 pp |
| Member Growth | -0.06% | - |
| Loan-to-Share Ratio | 61.09% | +1.29 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $40.3M | - |
| 2025Q4 | $39.8M | 3,448 |
| 2024Q4 | $35.5M | 3,450 |
| 2023Q4 | $36.4M | 3,443 |
Credit Union Details
- Charter Number
- 12616
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Sandusky
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Erie Community runs one office.
| Office | City |
|---|---|
| Strub Rd Office (Main Office) | Sandusky, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Other-state peers near Erie Community
Erie Community's nationwide photo peers by assets and by health score, excluding Ohio charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($39.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
Using this data
- Erie Community ranks #3,432 of 4,374 nationally on financial health and #158 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WIREMEN'S is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WIREMEN'S
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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 Community financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Erie Community carries a financial health score of 73/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,432 of 4,374; by total assets it ranks #2,608 of 4,374 nationally (same basis as /rankings/largest); and #118 of 196 within Ohio. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.95% net worth ratio and a 2.21% delinquency rate.
How does Erie Community compare to other credit unions?
Five weighted metrics from NCUA filings produce Erie Community's 73/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Community?
Erie Community 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 Community directly for the exact boundaries and application steps.
Is my money safe at Erie Community?
Federal credit unions like Erie Community 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 Community's net worth ratio of 7.95% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Erie Community offer compared to banks?
Credit unions like Erie Community 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 Community 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.