PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Reading Berks School Employees

Reading, PA · Charter 60392

NCUA · 1 branch

Q2 2026

$13.2MAssets
$5.6MLoans
$11.0MShares
$2.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.32%, down 5 bps year over year; NIM at 3.03%.
  • Asset quality: problem loans at 1.07% of loans (-74 bps YoY).
  • Capital: net worth / assets of 16.60%, up 172 bps from a year ago.
  • Funding: loans stand at 50.85% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.32%-5 bps YoY

Net Interest Margin (YTD, annualized)

3.03%-10 bps YoY

Efficiency Ratio (YTD, annualized)

89.33%+142 bps YoY

Net Worth / Assets

16.60%+172 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.38%0.45%0.47%0.47%0.32%-5 bps
Return on Equity2.54%2.91%2.91%2.86%1.95%-59 bps
Net Interest Margin3.13%3.21%3.19%3.00%3.03%-10 bps
Efficiency Ratio87.91%85.90%85.38%84.39%89.33%+142 bps
Growth
Asset Growth (YoY)-8.02%-6.14%-6.26%-5.74%-7.47%+55 bps
Loan Growth (YoY)-0.76%-5.87%-8.02%-7.01%-8.17%-741 bps
Share Growth (YoY)-9.48%-7.69%-7.83%-7.36%-9.28%+21 bps
Asset Quality
Delinquent Loans / Loans1.81%2.19%0.29%0.34%1.07%-74 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.88%15.56%16.02%16.34%16.60%+172 bps
Net Worth / Assets14.88%15.56%16.02%16.34%16.60%+172 bps
Liquidity & Funding
Loans / Shares50.24%49.42%51.09%50.82%50.85%+61 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps