Side-by-side · Q2 2026 data
Reading Berks School Employees Credit Union vs Hidden River Credit Union
Credit union
Reading Berks School Employees Credit Union
Reading, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Reading Berks School Employees Credit Union | Hidden River Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 43 |
| Loan quality | 64 | 90 (stronger) |
| Earnings | 33 | 65 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 57th | 60th |
| Total assets | $13.2M | $258.8M |
| Deposits / shares | $11.0M | $234.7M |
| Capital ratio | 16.60% (stronger) | 9.25% |
| Problem loans | 1.07% | 0.31% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.27% |
| Return on assets | 0.32% | 1.14% (stronger) |
| Loans ÷ deposits | 50.8% | 46.8% (stronger) |
| Uninsured deposits | 1.2% (stronger) | 6.7% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Reading Berks School Employees Credit Union has the higher TellerScore (77 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Reading Berks School Employees Credit Union leads on 4 and Hidden River 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.