Side-by-side · Q2 2026 data
P C Federal Credit Union vs Reading Berks School Employees Credit Union
Credit union
P C Federal Credit Union
Port Allegany, 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 | P C Federal Credit Union | Reading Berks School Employees Credit Union |
|---|---|---|
| TellerScore | 47 | 77 (stronger) |
| Capital cushion | 83 | 100 (stronger) |
| Loan quality | 0 | 64 (stronger) |
| Earnings | 34 (stronger) | 33 |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 51 | 95 (stronger) |
| Peer percentile | 7th | 57th |
| Total assets | $13.5M | $13.2M |
| Deposits / shares | $11.6M | $11.0M |
| Capital ratio | 13.29% | 16.60% (stronger) |
| Problem loans | 4.15% | 1.07% (stronger) |
| Net charge-offs | 0.18% | 0.04% (stronger) |
| Return on assets | 0.36% (stronger) | 0.32% |
| Loans ÷ deposits | 91.3% | 50.8% (stronger) |
| Uninsured deposits | 2.0% | 1.2% (stronger) |
| Offices | 2 | 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 47). On the 7 directional measures above (where higher or lower is clearly better), P C Federal Credit Union leads on 1 and Reading Berks School Employees Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.