Federal credit union · Hoboken, New Jersey · NCUA charter #4158
Erie Lackawanna Railroad Co Emp
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $11.6M
- Total assets
- 1,849
- Members
- 25.0%
- Net-worth ratio
Erie Lackawanna Railroad Co Emp scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.6M; members 1,849; net-worth ratio 25.03%; health rank #2,512 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,512 of 4,374 health · 2025Q4Erie Lackawanna Railroad Co… · health 81/100 · $11.6M · 2025Q4
Call Report peers
Erie Lackawanna Railroad Co Emp in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Erie Lackawanna Railroad Co Emp vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Erie Lackawanna Railroad Co Emp sits in 80-84 with 767 others.
81 39th percentile higher than 39% 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 Lackawanna Railroad Co Emp vs $10M–$50M peers
- Largest favorable gap: Net Worth Ratio at 25.03% vs peer 14.86% (+10.17 pp).
- Loan-to-Share Ratio trails the peer set - 34.84% here, 59.80% peer average (-24.96 pp).
New Jersey standing for Erie Lackawanna Railroad Co Emp
- Health composite ranks #36 of 127 among scored New Jersey credit unions.
- Assets rank #78 of 127 inside New Jersey ($11.6M reported).
- New Jersey membership ordinal: #62 of 127.
- One place up in New Jersey, Bayonne City Employees (#35) ties at 81/100; one place down, Deepwater Industries (#37) ties at 81/100.
How Erie Lackawanna Railroad Co Emp's 5300 filing moved
Erie Lackawanna Railroad Co Emp: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.4% from $11.6M (2025Q4) to $12.0M (2026Q1).
- Net-worth ratio shifted -0.70 pp (25.73% → 25.03%).
At 25.03%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
Erie Lackawanna Railroad Co Emp gives up 19 points in total. Member Growth costs the most, 7.1 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.5 pts
- Return on Assets 15.0 pts
- Member Growth 7.9 pts
- Loan-to-Share Ratio 9.6 pts
Erie Lackawanna Railroad Co… health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 25.03% | +10.17 pp |
| Delinquency Rate | 1.20% | +0.06 pp |
| Return on Assets | 0.78% | +0.07 pp |
| Member Growth | -0.59% | - |
| Loan-to-Share Ratio | 34.84% | -24.96 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Erie Lackawanna Railroad Co Emp
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.0M | - |
| 2025Q4 | $11.6M | 1,849 |
| 2024Q4 | $11.1M | 1,860 |
| 2023Q4 | $11.5M | 1,829 |
Credit Union Details
- Charter Number
- 4158
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- Hoboken
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Erie Lackawanna Railroad Co Emp.
| Office | City |
|---|---|
| Office (Main Office) | Hoboken, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
A look at other New Jersey credit unions, ranked by how closely their peer group and asset size match this one.
- JERSEY CITY FIREMENJersey City, NJ · $10M–$50M78Health
- WAKEFERNElizabeth, NJ · $10M–$50M84Health
- PEOPLES TRANSPORTMOUNT EPHRAIM, NJ · $10M–$50M84Health
- GOYA FOODS EMPLOYEESJersey City, NJ · $10M–$50M84Health
- P S ESomerset, NJ · $10M–$50M74Health
Compare Erie Lackawanna Railroad Co Emp vs JERSEY CITY FIREMEN
Cross-state Call Report peers for Erie Lackawanna Railroad Co…
Using this data
- Erie Lackawanna Railroad Co Emp ranks #2,512 of 4,374 nationally on financial health and #36 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Jersey City Firemen is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Jersey City Firemen
Frequently Asked Questions
Is Erie Lackawanna Railroad Co Emp financially healthy?
Erie Lackawanna Railroad Co Emp has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,512 of 4,374 nationally on health and #36 of 127 in New Jersey. Its net worth ratio is 25.03% and its delinquency rate 1.20%.
How does Erie Lackawanna Railroad Co Emp compare to other credit unions?
Erie Lackawanna Railroad Co Emp scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (25.03% vs 14.86%). Its widest shortfall is loan-to-share ratio (34.84% vs 59.80%).
How can I join Erie Lackawanna Railroad Co Emp?
Erie Lackawanna Railroad Co Emp 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 Lackawanna Railroad Co Emp directly for the exact boundaries and application steps.
Is my money safe at Erie Lackawanna Railroad Co Emp?
Erie Lackawanna Railroad Co Emp is a federal 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 Lackawanna Railroad Co Emp's net worth ratio of 25.03% 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.