Utilities Employees
Reading, PA · Charter 64896 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 2 branches
Q2 2026
$1.5BAssets
$800.5MLoans
$1.3BShares
$237.2MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 94% of credit unions $1B-$10B in assets (rank 25 of 435).
- Widest gap: net interest margin trails 95% of credit unions $1B-$10B in assets (rank 414 of 435).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.54%
Rank 331 of 435
Net Interest Margin
2.32%
Rank 414 of 435
Efficiency Ratio
74.42%
Rank 264 of 435
Equity / Assets
15.73%
Rank 25 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.54% | 0.55% | 0.81% | 1.14% | Beats 24% | 331 / 435 | |
| Return on Equity | 3.45% | 5.12% | 7.41% | 9.70% | Beats 14% | 373 / 435 | |
| Net Interest Margin | 2.32% | 3.01% | 3.39% | 3.75% | Beats 5% | 414 / 435 | |
| Efficiency Ratio | 74.42% | 65.25% | 71.39% | 77.86% | Beats 40% | 264 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.26% | 0.45% | 0.69% | 1.05% | Beats 17% | 362 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.73% | 9.81% | 10.84% | 12.63% | Beats 94% | 25 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.73% | 9.81% | 10.84% | 12.63% | Beats 94% | 25 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 63.46% | 78.33% | 88.38% | 95.61% | 9th pctl | 394 / 435 | |
| Loans / Assets | 53.08% | 67.69% | 74.58% | 80.80% | 9th pctl | 398 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |