Credit Union Safety Analysis
Is Loco & Cont Employees Federal Credit Union Safe? Erie, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Loco & Cont Employees Federal Credit Union has a net worth ratio of 26.10%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.71%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Loco & Cont Employees Federal Credit Union's net worth ratio is 26.10%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 26.10%
- Delinquency ratio (60+ days) (Q2 2026): 0.71%
- Return on assets (Q2 2026): 1.72%
- Loan-to-share ratio (Q2 2026): 30.96%
Loco & Cont Employees Federal Credit Union (NCUA charter 1111, established 1936) reported $20.3M in assets and 887 members for Q2 2026 from Erie, Pennsylvania. It ranks 169 of 269 credit unions in Pennsylvania by total assets. Total assets grew 4.5% from $19.4M on June 30, 2025. It has 51 fewer members than on June 30, 2025 (-5.4%). Its net worth ratio was up 0.74 percentage points from 25.36% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $3.0M of $4.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.71% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 26.14% for Q1 2026; 25.36% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.98% for Q1 2026; 0.12% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.44% for Q1 2026; 2.00% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 31.83% for Q1 2026; 32.20% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $3.0M
- Used vehicle loans: $589K
- New vehicle loans: $516K
- Other unsecured loans and lines of credit: $454K
- Other secured non-real estate loans and lines of credit: $49K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $20.3M | 26.10% | 0.71% | 1.72% | 30.96% |
| March 31, 2026 | $19.9M | 26.14% | 0.98% | 1.44% | 31.83% |
| December 31, 2025 | $19.6M | 26.15% | 0.67% | 1.93% | 33.75% |
| September 30, 2025 | $19.4M | 25.94% | 0.48% | 2.38% | 33.91% |
| June 30, 2025 | $19.4M | 25.36% | 0.12% | 2.00% | 32.20% |
| March 31, 2025 | $19.3M | 24.92% | 0.13% | 1.89% | 33.02% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Loco & Cont Employees Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 1111) · FFIEC NIC profile (RSSD 710372)
Frequently asked questions
Is Loco & Cont Employees Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Loco & Cont Employees Federal Credit Union's net worth ratio is 26.10%, above the 7% NCUA threshold for well capitalized.
Is Loco & Cont Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Loco & Cont Employees Federal Credit Union is a federally insured credit union (NCUA charter 1111): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Loco & Cont Employees Federal Credit Union's key safety ratios?
For Q2 2026, Loco & Cont Employees Federal Credit Union reports net worth 26.10%, delinquency 0.71%, ROA 1.72%, loan-to-share 30.96%.
What happens to my money if Loco & Cont Employees Federal Credit Union fails?
For Q2 2026, Loco & Cont Employees Federal Credit Union held $14.9M in shares and deposits for 887 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.