Credit Union Safety Analysis
Is Berylco Employees Credit Union Safe? Hamburg, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Berylco Employees Credit Union has a net worth ratio of 61.10%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Berylco Employees Credit Union's net worth ratio is 61.10%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 61.10%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 0.42%
- Loan-to-share ratio (Q2 2026): 36.49%
Berylco Employees Credit Union (NCUA charter 62656, established 1975) reported $1.7M in assets and 119 members for Q2 2026 from Hamburg, Pennsylvania. It ranks 256 of 269 credit unions in Pennsylvania by total assets. Total assets fell 4.9% from $1.8M on June 30, 2025. It has 14 fewer members than on June 30, 2025 (-10.5%). Its net worth ratio was up 3.32 percentage points from 57.78% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $93K of $236K in total loans on its June 30, 2026 filing.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 60.39% for Q1 2026; 57.78% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.32% for Q1 2026; 0.38% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 35.07% for Q1 2026; 38.29% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $93K
- Used vehicle loans: $77K
- New vehicle loans: $49K
- Other secured non-real estate loans and lines of credit: $17K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.7M | 61.10% | — | 0.42% | 36.49% |
| March 31, 2026 | $1.7M | 60.39% | — | 0.32% | 35.07% |
| December 31, 2025 | $1.7M | 59.60% | — | 0.22% | 36.19% |
| September 30, 2025 | $1.7M | 59.40% | — | 0.46% | 38.72% |
| June 30, 2025 | $1.8M | 57.78% | — | 0.38% | 38.29% |
| March 31, 2025 | $1.8M | 57.54% | — | 0.07% | 32.25% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Berylco Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 62656) · FFIEC NIC profile (RSSD 799096)
Frequently asked questions
Is Berylco Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Berylco Employees Credit Union's net worth ratio is 61.10%, above the 7% NCUA threshold for well capitalized.
Is Berylco Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Berylco Employees Credit Union is a federally insured credit union (NCUA charter 62656): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Berylco Employees Credit Union's key safety ratios?
For Q2 2026, Berylco Employees Credit Union reports net worth 61.10%, delinquency not reported, ROA 0.42%, loan-to-share 36.49%.
What happens to my money if Berylco Employees Credit Union fails?
For Q2 2026, Berylco Employees Credit Union held $648K in shares and deposits for 119 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.