# GREAT ERIE
ORCHARD PARK, NY · NCUA charter 7925 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/great-erie-7925

Who the members are: federal charter, community charter, organized 1952. 9,383 members of 945,699 potential (1.0% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $152.2M |
| Members | 9,383 (-1.8% YoY) |
| Full-time staff | 26 |
| Net worth | $18.3M |
| Net worth ratio | 12.0% (p54 of band) |
| ROA (annualized) | 1.96% (p94 of band) |
| Total delinquency | 0.34% (p27 of band) |
| Net charge-offs (annualized) | 0.38% (p55 of band) |
| Loans / shares | 69% (p48 of band) |
| Cash / assets | 33.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.40% (p33 of band) |
| Operating expense / assets | 3.13% (p30 of band) |
| Vehicles % of loans | 37% (p50 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 16% |
| Third-party paper % of net worth | 29% (p50 of band) |
| Vehicle delinquency | 0.08% (p11 of band) |
| Vehicle NCO | 0.82% (p67 of band) |
| Repossessed % of vehicle book | 0.11% (p80 of band) |
| Real estate % of loans | 52% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 11% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 21% |
| Average share balance | $7,979 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.0M |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $18,370 |
| Loans granted, annualized | $17.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.0M outstanding purchased (10.8% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares 3.3% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | net worth falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | net worth falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | net worth falling |  |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 0 |  | net worth falling |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 | net worth falling | delinquency rising |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | margin squeeze |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | delinquency rising |  |
| 2022-03 | 2 | net worth falling |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 0 |  | delinquency rising, net worth falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | delinquency rising |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | delinquency rising |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | delinquency rising |  |
| 2025-03 | 0 |  | delinquency rising |
| 2025-06 | 1 | delinquency rising |  |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | delinquency rising |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2018-09-04 [Using strategic promotions to create your CU's future leaders - American Banker](https://news.google.com/rss/articles/CBMirgFBVV95cUxQLXJ1UE83UjhqaXB1VnVsS3V1RUxYMFROODhPVGVpdDRBTy1BZFAzR09kUHhScWsxak9pYTI4VF9mYXZhOUQ3QkptQm9RMzBzaklqOGxVVVlOVS1jTzJLTHp6blVNVk04V0JDSWN6dUVYVEJtd2RIU1NNdXdNWURHTlkzLVJuWGtzZVJoek5icHFXTEdUbU9oVk9fcmZxSUJYYnV3OWZBTWZLaE1PSmc?oc=5) · American Banker
- 2026-08-10 [Power 200 Women: Day 1 of highlighting WNY's most influential women - Buffalo Business First - The Business Journals](https://news.google.com/rss/articles/CBMihAFBVV95cUxOM3dSZE1mWk5oUzRHVlJIM1VYRnBjVzFZWGU0ZUdYcVh0emJ1Tk1EMzZEb0VYUmVkRXVjNnExbGlEaU9OdVl1eDVucEtUSkNJNm9sazB5U2NKYXdBVkI0YUsya2M2aUVqd0x4eVUxUnM0T2lUSDA4dUYwN2toTmRnQmNydnI?oc=5) · The Business Journals
- 2025-03-11 [John Kane Obituary (1949 - 2025) - Orchard Park, NY - Buffalo News - legacy.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxOb29rZVMtVU1CMVhnQkxWRzlka3ZucHJza3JsVm9KdFlidno2QW8yWDM2VUh5V1BJTUZ6Z1lKRnJtekxTaEV6RnZnNFN1NjdKYU1JV0ZxWWlIVGZtQWhvb1Y4RnVjY0xROGdrN1M0SE1reTNqY3BidWtlMW45TzNfRGxXVWdqdmpzbjFXaA?oc=5) · legacy.com
- 2024-05-08 [Introducing the business leaders on this year's Power 200 Women list - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxQNERHVy1SVWNKbGt5MVdaakhyYUlyVi1DV2EwWV9GU3dYV1hiYmxPemdCTXdTcmZMTk9rQkRDSWxNdFBHeEpJdkFrY1VPVmZfcUpRTmF3RThHUXFNWVBqYlFBcGlFNFhaN25kNFlHQXFvUGU0Ym9fNG1kRmZTYXdMU255Sk50T3lsVjBSZGM2dHl3aDl3Ny1Ta0R3?oc=5) · The Business Journals
- 2021-11-05 [Ronald GEITTER Obituary (2021) - Orchard Park, NY - Buffalo News - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPMExibG5XUE04dnhwOXpKenplNGg4czJta1NEQVktajlBZkRHaEFzYVAxd1RJM2VCSEdsOHlzTUFmRGxYMUJoek90ZXp3OENzM25sWjhmR1ZaaF9ja1kzdGo1VkRmVVNRc0thOUtEazFKeFhpdWIyOTc5M2I1Sk9MdmVVUUUyRkdOTFIycGdtRExsbWc?oc=5) · legacy.com
- 2026-06-11 [Meet the business leaders on the 2026 Power 200 Women list - Buffalo Business First - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxQd0Zqd09pLWw2NkZQYnVzSVRtenVaZGtieDZvNm4ybGkxeUJjZzZRLUE3eGhZODNzRm1ydWdLaDRxSVhGRjJNVVludDM1STEzNEJjZHFJR05MYW02eFJmZElERzZvM1h1Mnlvcm00WTlmdFBXcWxvcXM0VHhtNzJ0aE5fWS1TUnVtTGxiZ2gxckZxVS1MMFVscE13?oc=5) · The Business Journals
- 2024-07-15 [Power 200 Women: The entire list of 2024's impressive women - The Business Journals](https://news.google.com/rss/articles/CBMigwFBVV95cUxPOVRjZWlVek5GcV94R3J2cUM1Z1lHWVZXSVFSLWJuekpOWG9TeDlUNVA0dnNhLUlKZ3VibzRPOERNNS1WdExPYm1PNlJIdVYya2U3OFhOZUs0TTU5NEdoYlI2NVliODJVMUQ4T1dSejhtazR2bHBXYUxLdDBQbXRRRjhVZw?oc=5) · The Business Journals
- 2023-07-18 [Power 200 Women: The complete list of 2023's impressive changemakers - Buffalo Business First - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxNS1BvdFpveGJzQW9PblU0YThBbmRoUDExbnhQY0g2ZXlQNmV3TjhDeW5aQ3pUSHBCdGt4bjZQOUZPRURHSkZCY1U0MzJOT185VFBYSlFRLVgtUFEwalRibU1NT2ZyWjB4ak5ab3c1ZThNVTBmaDczSEttVXJWX1JXZGZoVW5LdWI3Vm5Ub2tqdjlIU3pCcGc?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7925 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/53.json (key "7925", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=7925
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide