The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 5 points (82 → 77), mostly because the loan quality component weakened by 27 points.

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size credit unions in Pennsylvania

Yes. Utilities Employees Credit Union is a federally insured credit union (NCUA charter #64896). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.8% of shares and deposits ($72.6M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 15.73%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Utilities Employees Credit Union lists 2 offices in 2 cities. Most locations:

• Stroudsburg, PA (1)
• Wyomissing, PA (1)

All branch addresses and map

In 2025, Utilities Employees Credit Union reported 969 home-loan applications under HMDA (LEI 549300AX5UMUZ61L1X54): 672 originated ($92,750,000 total), 173 denied, and 111 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Utilities Employees Credit Union

Type

Federally insured state-chartered credit union

NCUA charter #

64896

RSSD ID

7997

Primary regulator

State + NCUA

Established

1934

Headquarters

P.O. Box 14864, Reading, PA 19612

Employees

125