State credit union · BUFFALO, New York · NCUA charter #62923
Erie County Employees
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $31.7M
- Total assets
- 3,849
- Members
- 13.2%
- Net-worth ratio
Erie County Employees scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $31.7M; members 3,849; net-worth ratio 13.15%; health rank #2,972 of 4,374; healthier than 31st of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,972 of 4,374 health · 2025Q4Erie County Employees · health 78/100 · $31.7M · 2025Q4
Call Report peers
Erie County Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Erie County Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Erie County Employees sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Erie County Employees vs $10M–$50M peers
- Largest favorable gap: Delinquency Rate at 1.14% vs peer 1.15% (-0.00 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -29.29 pp (30.51% vs 59.80%).
New York standing for Erie County Employees
- Health composite ranks #169 of 272 among scored New York credit unions.
- New York assets place: #160 of 272.
- New York membership ordinal: #121 of 272.
- One place up in New York, Greater Niagara (#168) ties at 78/100; one place down, CONSUMERS (#170) ties at 78/100.
Erie County Employees: 2025Q4 → 2026Q1
Erie County Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.7% from $31.7M (2025Q4) to $32.3M (2026Q1).
- Net-worth ratio shifted -0.10 pp (13.25% → 13.15%).
13.15% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
Erie County Employees gives up 22 points in total. Member Growth costs the most, 9.9 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.9 pts
- Return on Assets 14.8 pts
- Member Growth 5.1 pts
- Loan-to-Share Ratio 9.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.15% | -1.71 pp |
| Delinquency Rate | 1.14% | -0.00 pp |
| Return on Assets | 0.49% | -0.22 pp |
| Member Growth | -2.16% | - |
| Loan-to-Share Ratio | 30.51% | -29.29 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Erie County Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $32.3M | - |
| 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
Branch Locations (2)
Erie County Employees operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Erie County Employees Credit Unio (Main Office) | Buffalo, NY |
| Compusource Systems Inc. | Amherst, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- Erie County Employees ranks #2,972 of 4,374 nationally on financial health and #169 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ELEKTRA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ELEKTRA
Frequently Asked Questions
Is Erie County Employees financially healthy?
Erie County Employees has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,972 of 4,374 nationally on health and #169 of 272 in New York. Its net worth ratio is 13.15% and its delinquency rate 1.14%.
How does Erie County Employees compare to other credit unions?
Erie County Employees scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (1.14% vs 1.15%). Its widest shortfall is loan-to-share ratio (30.51% vs 59.80%).
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?
Erie County Employees is a state-chartered 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 County Employees's net worth ratio of 13.15% 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.