Reading Berks School Employees Credit Union Reading, Pennsylvania
Reading Berks School Employees Credit Union is a state-chartered credit union headquartered in Reading, PA, established in 1947 (NCUA charter 60392), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,223 members and total assets of $13.2M (down 7.5% from Q2 2025), the 197th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 16.60% at Q2 2026, in the well capitalized band.
Also written as Reading Berks School Employees CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 60392
- Headquarters
- Reading, PA
- Established
- 1947
- Total assets, Q2 2026
- $13.2M
- Assets vs Q2 2025
- -7.5%
- Members, Q2 2026
- 1,223
- Net worth ratio, Q2 2026
- 16.60%
- Latest call report
- Q2 2026, NCUA 5300 · Reading Berks School Employees Credit Union call report
- Asset rank in state
- 197th of 269 in Pennsylvania
- Routing number
- 231385549
- Branches
- 3
It has 59 fewer members than on June 30, 2025 (-4.6%). Its net worth ratio was up 1.72 percentage points from 14.88% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $4.8M of $5.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.07% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 16.60% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Pennsylvania
Frequently asked about Reading Berks School Employees Credit Union
How big is Reading Berks School Employees Credit Union?
At Q2 2026 it reported total assets of $13.2M and 1,223 members.
Where is Reading Berks School Employees Credit Union headquartered?
It is headquartered in Reading, PA, United States.
When was Reading Berks School Employees Credit Union founded?
It was established in 1947, per NCUA records.
Is Reading Berks School Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 60392): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Reading Berks School Employees Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Reading Berks School Employees Credit Union well capitalized?
Its net worth ratio was 16.60% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Reading Berks School Employees Credit Union's delinquency ratio?
Its delinquency ratio was 1.07% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Reading Berks School Employees Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 50.85% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Reading, PA 19605
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1947
- NCUA Charter #
- 60392
- RSSD ID
- 155393
- Members
- 1,223
- Potential members
- 1,500
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 6 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 16.60% | 14.31% | 61st above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.17% | 0.72% | 26th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 1.04% | 4.74% | 25th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.02% | 3.93% | 18th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | not on file | 79.83% | not on file |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.48% | 0.78% | 18th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.07% | 0.86% | 45th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.50% | 4.70% | 40th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 50.85% | 58.92% | 38th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$13.2M total assets against $14.2M; $11.0M total shares and deposits against $12.1M; $5.6M total loans against $6.1M.
$2.2M net worth against $2.1M.
16.60% net worth ratio against 14.88%.
50.85% loan-to-share ratio against 50.24%.
1.07% delinquency ratio against 1.81%.
0.17% return on assets against 0.76%; 1.04% return on equity against 5.13%.
3.02% net interest margin against 3.39%.
1,223 members against 1,282.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 16.60% | 0.17% | 1.07% | 50.85% |
| March 31, 2026 | 16.34% | 0.47% | 0.34% | 50.82% |
| December 31, 2025 | 16.02% | 0.48% | 0.29% | 51.09% |
| September 30, 2025 | 15.56% | 0.58% | 2.19% | 49.42% |
| June 30, 2025 | 14.88% | 0.76% | 1.81% | 50.24% |
| March 31, 2025 | 14.84% | -0.01% | 1.94% | 50.63% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.