Side-by-side · Q2 2026 data
The Neffs National Bank vs Reading Berks School Employees Credit Union
Credit union
Reading Berks School Employees Credit Union
Reading, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | The Neffs National Bank | Reading Berks School Employees Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 77 |
| Capital cushion | 100 | 100 |
| Loan quality | 99 (stronger) | 64 |
| Earnings | 41 (stronger) | 33 |
| Funding & liquidity | 91 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 91st | 57th |
| Total assets | $470.8M | $13.2M |
| Deposits / shares | $371.9M | $11.0M |
| Capital ratio | 16.82% (stronger) | 16.60% |
| Problem loans | 0.04% (stronger) | 1.07% |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 0.53% (stronger) | 0.32% |
| Loans ÷ deposits | 68.8% | 50.8% (stronger) |
| Uninsured deposits | 9.5% | 1.2% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.3% | — |
The Neffs National Bank has the higher TellerScore (87 vs 77). On the 7 directional measures above (where higher or lower is clearly better), The Neffs National Bank leads on 5 and Reading Berks School Employees Credit Union on 2. 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.