Side-by-side · Q2 2026 data
Derry Area Federal Credit Union vs Reading Berks School Employees Credit Union
Credit union
Derry Area Federal Credit Union
Derry, Pennsylvania · Under $100 million in assets
Credit union
Reading Berks School Employees Credit Union
Reading, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Derry Area Federal Credit Union | Reading Berks School Employees Credit Union |
|---|---|---|
| TellerScore | 69 | 77 (stronger) |
| Capital cushion | 65 | 100 (stronger) |
| Loan quality | 78 (stronger) | 64 |
| Earnings | 26 | 33 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 38th | 57th |
| Total assets | $13.9M | $13.2M |
| Deposits / shares | $12.2M | $11.0M |
| Capital ratio | 11.52% | 16.60% (stronger) |
| Problem loans | 0.67% (stronger) | 1.07% |
| Net charge-offs | 0.03% (stronger) | 0.04% |
| Return on assets | 0.16% | 0.32% (stronger) |
| Loans ÷ deposits | 45.0% (stronger) | 50.8% |
| Uninsured deposits | 0.0% (stronger) | 1.2% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Reading Berks School Employees Credit Union has the higher TellerScore (77 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Derry Area Federal Credit Union leads on 4 and Reading Berks School Employees Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.