Side-by-side · Q2 2026 data
Reading Berks School Employees Credit Union vs Utilities Employees 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 | Utilities Employees Credit Union |
|---|---|---|
| TellerScore | 77 | 77 |
| Capital cushion | 100 | 100 |
| Loan quality | 64 (stronger) | 58 |
| Earnings | 33 | 42 (stronger) |
| Funding & liquidity | 100 (stronger) | 97 |
| Problem-loan coverage | 95 (stronger) | 91 |
| Peer percentile | 57th | 82nd |
| Total assets | $13.2M | $1.5B |
| Deposits / shares | $11.0M | $1.3B |
| Capital ratio | 16.60% (stronger) | 15.73% |
| Problem loans | 1.07% (stronger) | 1.26% |
| Net charge-offs | 0.04% (stronger) | 0.18% |
| Return on assets | 0.32% | 0.54% (stronger) |
| Loans ÷ deposits | 50.8% (stronger) | 63.5% |
| Uninsured deposits | 1.2% (stronger) | 5.8% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.2% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Reading Berks School Employees Credit Union leads on 5 and Utilities Employees Credit Union on 1. 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.