Reading Berks School Employees
Reading, PA · Charter 60392 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 1 branch
Q2 2026
$13.2MAssets
$5.6MLoans
$11.0MShares
$2.2MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 74% of credit unions under $1B in assets in PA (rank 19 of 72).
- Widest gap: return on equity trails 93% of credit unions under $1B in assets in PA (rank 67 of 72).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.32%
Rank 65 of 72
Net Interest Margin
3.04%
Rank 56 of 72
Efficiency Ratio
89.00%
Rank 67 of 72
Equity / Assets
16.60%
Rank 19 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.32% | 0.59% | 1.06% | 1.40% | Beats 10% | 65 / 72 | |
| Return on Equity | 1.92% | 5.27% | 7.11% | 9.91% | Beats 7% | 67 / 72 | |
| Net Interest Margin | 3.04% | 3.09% | 3.57% | 4.10% | Beats 22% | 56 / 72 | |
| Efficiency Ratio | 89.00% | 64.37% | 73.67% | 81.63% | Beats 8% | 67 / 72 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.07% | 0.20% | 0.58% | 1.09% | Beats 28% | 53 / 72 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 16.60% | 10.74% | 12.96% | 16.84% | Beats 74% | 19 / 72 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 16.60% | 10.74% | 12.96% | 16.84% | Beats 74% | 19 / 72 | |
| Liquidity & Funding |
| Loans / Deposits | 50.84% | 34.39% | 52.54% | 65.98% | 42nd pctl | 42 / 72 | |
| Loans / Assets | 42.37% | 30.23% | 45.37% | 57.67% | 44th pctl | 40 / 72 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |