Side-by-side · Q2 2026 data
Pagoda Federal Credit Union vs Berylco Employees' Credit Union
Credit union
Pagoda Federal Credit Union
Reading, Pennsylvania · Under $100 million in assets
Credit union
Berylco Employees' Credit Union
Hamburg, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Pagoda Federal Credit Union | Berylco Employees' Credit Union |
|---|---|---|
| TellerScore | 87 | 87 |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 90 | 100 (stronger) |
| Earnings | 93 (stronger) | 35 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 83rd | 83rd |
| Total assets | $32.6M | $1.7M |
| Deposits / shares | $28.6M | $648K |
| Capital ratio | 11.97% | 61.10% (stronger) |
| Problem loans | 0.31% | 0.00% (stronger) |
| Net charge-offs | 0.51% | 0.00% (stronger) |
| Return on assets | 1.81% (stronger) | 0.37% |
| Loans ÷ deposits | 34.0% (stronger) | 36.5% |
| Uninsured deposits | 4.1% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Pagoda Federal Credit Union leads on 2 and Berylco Employees' Credit Union on 4. 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.