Credit Union Safety Analysis
Is Reading Berks School Employees Credit Union Safe? Reading, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Reading Berks School Employees Credit Union has a net worth ratio of 16.60%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.07%, 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, Reading Berks School Employees Credit Union's net worth ratio is 16.60%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 16.60%
- Delinquency ratio (60+ days) (Q2 2026): 1.07%
- Return on assets (Q2 2026): 0.17%
- Loan-to-share ratio (Q2 2026): 50.85%
Reading Berks School Employees Credit Union (NCUA charter 60392, established 1947) reported $13.2M in assets and 1,223 members for Q2 2026 from Reading, Pennsylvania. It ranks 197 of 269 credit unions in Pennsylvania by total assets. Total assets fell 7.5% from $14.2M on June 30, 2025. 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.
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: 16.34% for Q1 2026; 14.88% 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%.
Earlier filings: 0.34% for Q1 2026; 1.81% for Q2 2025.
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: 0.47% for Q1 2026; 0.76% 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: 50.82% for Q1 2026; 50.24% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $4.8M
- Other unsecured loans and lines of credit: $334K
- Used vehicle loans: $288K
- New vehicle loans: $162K
- Other secured non-real estate loans and lines of credit: $21K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $13.2M | 16.60% | 1.07% | 0.17% | 50.85% |
| March 31, 2026 | $13.4M | 16.34% | 0.34% | 0.47% | 50.82% |
| December 31, 2025 | $13.5M | 16.02% | 0.29% | 0.48% | 51.09% |
| September 30, 2025 | $13.8M | 15.56% | 2.19% | 0.58% | 49.42% |
| June 30, 2025 | $14.2M | 14.88% | 1.81% | 0.76% | 50.24% |
| March 31, 2025 | $14.2M | 14.84% | 1.94% | -0.01% | 50.63% |
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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.
Reading Berks School Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 60392) · FFIEC NIC profile (RSSD 155393)
Frequently asked questions
Is Reading Berks School Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Reading Berks School Employees Credit Union's net worth ratio is 16.60%, above the 7% NCUA threshold for well capitalized.
Is Reading Berks School Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Reading Berks School Employees Credit Union is a federally insured credit union (NCUA charter 60392): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Reading Berks School Employees Credit Union's key safety ratios?
For Q2 2026, Reading Berks School Employees Credit Union reports net worth 16.60%, delinquency 1.07%, ROA 0.17%, loan-to-share 50.85%.
What happens to my money if Reading Berks School Employees Credit Union fails?
For Q2 2026, Reading Berks School Employees Credit Union held $11.0M in shares and deposits for 1,223 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.