Side-by-side · Q2 2026 data
Ambler Savings Bank vs Reading Berks School Employees Credit Union
Credit union
Reading Berks School Employees Credit Union
Reading, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Ambler Savings Bank | Reading Berks School Employees Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 77 |
| Capital cushion | 93 | 100 (stronger) |
| Loan quality | 90 (stronger) | 64 |
| Earnings | 45 (stronger) | 33 |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 75th | 57th |
| Total assets | $502.3M | $13.2M |
| Deposits / shares | $424.6M | $11.0M |
| Capital ratio | 14.29% | 16.60% (stronger) |
| Problem loans | 0.31% (stronger) | 1.07% |
| Net charge-offs | -0.00% (stronger) | 0.04% |
| Return on assets | 0.63% (stronger) | 0.32% |
| Loans ÷ deposits | 82.5% | 50.8% (stronger) |
| Uninsured deposits | 24.6% | 1.2% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.5% | — |
Ambler Savings Bank has the higher TellerScore (79 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Ambler Savings Bank leads on 4 and Reading Berks School Employees Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.