State credit union · BUFFALO, New York · NCUA charter #62923
Erie County Employees
Health score 78/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $31.7M
- Total assets
- 3,849
- Members
- 10.8%
- Net-worth ratio
Erie County Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #62923: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Erie County Employees - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)76
- Earnings (ROA)99
- Member growth34
- Liquidity (loan-to-share)58
Weighted composite: 78/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
10.83% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 10.83% | 30% |
| Delinquency Rate | 1.14% | 25% |
| Return on Assets | 0.49% | 15% |
| Member Growth | -2.16% | 15% |
| Loan-to-Share Ratio | 30.51% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $31.7M | 3,849 |
| 2024Q4 | $30.9M | 3,934 |
| 2023Q4 | $31.8M | 3,960 |
Credit Union Details
- Charter Number
- 62923
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- New York
- City
- BUFFALO
- Data Quarter
- 2025Q4
What This Data Says About Erie County Employees
Charter #62923, peer group $10M–$50M, a cohort of 1163 similarly-sized institutions: that's Erie County Employees, a state credit union in BUFFALO, New York with 3,849 members, $31.7M in total assets, and $8.3M in outstanding loans as of Q4 2025. The five-factor composite scores it 78/100 (Very Good), helped by a net worth ratio of 10.83% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 1.14% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. The loan-to-share ratio of 30.51% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.49% on net income of $154K 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 -2.16%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
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 County Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Erie County Employees carries a financial health score of 78/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 10.83% net worth ratio and a 1.14% delinquency rate.
How does Erie County Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Erie County Employees's 78/100 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 County Employees?
Membership eligibility for Erie County Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Erie County Employees directly for current membership requirements and application steps.
Is my money safe at Erie County Employees?
Federal credit unions like Erie County 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 County Employees's net worth ratio of 10.83% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Erie County Employees offer compared to banks?
Credit unions like Erie County 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 County 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.