Utilities Employees Credit Union Reading, Pennsylvania
Utilities Employees Credit Union is a state-chartered credit union headquartered in Reading, PA, established in 1934 (NCUA charter 64896), and it is regulated and insured by the NCUA. At Q2 2026 it reported 64,317 members and total assets of $1.51B (up 1.6% from Q2 2025), the 10th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 15.73% at Q2 2026, in the well capitalized band.
Also written as Utilities Employees CU · Trade name filed with the NCUA: UECU
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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
- 64896
- Headquarters
- Reading, PA
- Established
- 1934
- Total assets, Q2 2026
- $1.51B
- Assets vs Q2 2025
- +1.6%
- Members, Q2 2026
- 64,317
- Net worth ratio, Q2 2026
- 15.73%
- Latest call report
- Q2 2026, NCUA 5300 · Utilities Employees Credit Union call report
- Asset rank in state
- 10th of 269 in Pennsylvania
- Routing number
- 231385633
- Branches
- 2
It has 23 more members than on June 30, 2025. Its net worth ratio was up 0.18 percentage points from 15.55% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $429.8M of $800.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.26% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 15.73% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in Pennsylvania
Credit unions merged into Utilities Employees Credit Union
Ne Pa Community Federal Credit Union (2025) · Clearchoice Federal Credit Union (2017)
Frequently asked about Utilities Employees Credit Union
How big is Utilities Employees Credit Union?
At Q2 2026 it reported total assets of $1.51B and 64,317 members.
Where is Utilities Employees Credit Union headquartered?
It is headquartered in Reading, PA, United States.
When was Utilities Employees Credit Union founded?
It was established in 1934, per NCUA records.
Is Utilities Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 64896): 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 Utilities 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 Utilities Employees Credit Union well capitalized?
Its net worth ratio was 15.73% 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 Utilities Employees Credit Union's delinquency ratio?
Its delinquency ratio was 1.26% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Utilities Employees Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 63.46% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Reading, PA 19610
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1934
- NCUA Charter #
- 64896
- RSSD ID
- 7997
- Members
- 64,317
- Potential members
- 1,040,577
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 15.73% | 10.89% | over 90th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.56% | 0.89% | 23rd bottom |
| Return on equity Middle half of peers: 5.37% to 10.92% | 3.55% | 8.07% | 15th bottom |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 2.36% | 3.45% | under 10th bottom |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 72.69% | 70.59% | 42nd below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.94% | 1.68% | 29th below |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 1.26% | 0.68% | 18th bottom |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.30% | 5.12% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 63.46% | 88.03% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.51B total assets against $1.48B; $1.26B total shares and deposits against $1.25B; $800.5M total loans against $743.4M.
$237.2M net worth against $231.0M.
15.73% net worth ratio against 15.55%.
63.46% loan-to-share ratio against 59.36%.
1.26% delinquency ratio against 0.44%.
0.56% return on assets against 0.47%; 3.55% return on equity against 2.99%.
2.36% net interest margin against 2.17%.
64,317 members against 64,294.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.73% | 0.56% | 1.26% | 63.46% |
| March 31, 2026 | 15.60% | 0.53% | 1.04% | 62.54% |
| December 31, 2025 | 15.53% | 0.53% | 1.09% | 62.54% |
| September 30, 2025 | 15.56% | 0.41% | 1.12% | 60.73% |
| June 30, 2025 | 15.55% | 0.47% | 0.44% | 59.36% |
| March 31, 2025 | 15.38% | 0.13% | 0.37% | 58.61% |
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.