State credit union · reading, Pennsylvania · NCUA charter #60392
Reading Berks School Employees
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $13.5M
- Total assets
- 1,269
- Members
- 16.3%
- Net-worth ratio
Reading Berks School Employees scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.5M; members 1,269; net-worth ratio 16.34%; health rank #2,832 of 4,374; healthier than 33rd of scored peers.
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NCUA 5300 Call Report Masthead
#2,832 of 4,374 health · 2025Q4Reading Berks School · health 79/100 · $13.5M · 2025Q4
Call Report peers
Reading Berks School Employees in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Reading Berks School Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Reading Berks School Employees sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Reading Berks School Employees diverges from peer averages
- Largest favorable gap: Net Worth Ratio at 16.34% vs peer 14.86% (+1.48 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -8.71 pp (51.09% vs 59.80%).
Where Reading Berks School Employees sits in Pennsylvania
- Health composite ranks #162 of 275 among scored Pennsylvania credit unions.
- Assets rank #197 of 275 inside Pennsylvania ($13.5M reported).
- Pennsylvania membership ordinal: #202 of 275.
- One place up in Pennsylvania, Va Pittsburgh Employees (#161) ties at 79/100; one place down, Fort Ligonier (#163) ties at 79/100.
How Reading Berks School Employees's 5300 filing moved
Reading Berks School Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.2% from $13.5M (2025Q4) to $13.4M (2026Q1).
- Net-worth ratio shifted +0.32 pp (16.02% → 16.34%).
16.34% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 79/100 score is built
Reading Berks School Employees gives up 21 points in total. Member Growth costs the most, 8.9 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 6.8 pts
- Member Growth 6.1 pts
- Loan-to-Share Ratio 11.1 pts
Reading Berks School health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.34% | +1.48 pp |
| Delinquency Rate | 0.29% | -0.85 pp |
| Return on Assets | 0.05% | -0.65 pp |
| Member Growth | -1.63% | - |
| Loan-to-Share Ratio | 51.09% | -8.71 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Reading Berks School filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.4M | - |
| 2025Q4 | $13.5M | 1,269 |
| 2024Q4 | $14.4M | 1,290 |
| 2023Q4 | $16.2M | 1,348 |
Credit Union Details
- Charter Number
- 60392
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- reading
- Data Quarter
- 2025Q4
Branch Locations (3)
Reading Berks School Employees operates 3 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| reading berks school emp cu (Main Office) | Reading, PA |
| pagoda federal c.u. | Reading, PA |
| Fiserv vital records | Salt Lake City, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Reading Berks School Employees nationwide neighbourhoods
Similar total assets
Using this data
- Reading Berks School Employees ranks #2,832 of 4,374 nationally on financial health and #162 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LATROBE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LATROBE
Frequently Asked Questions
Is Reading Berks School Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Reading Berks School Employees scores 79/100 (Very Good), with a 16.34% net worth ratio and 0.29% of loans delinquent. It ranks #2,832 of 4,374 nationally on health and #162 of 275 in Pennsylvania.
How does Reading Berks School Employees compare to other credit unions?
Reading Berks School Employees scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (16.34% vs 14.86%). Its widest shortfall is loan-to-share ratio (51.09% vs 59.80%).
How can I join Reading Berks School Employees?
Membership eligibility for Reading Berks School Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Reading Berks School Employees directly for current membership requirements and application steps.
Is my money safe at Reading Berks School Employees?
Reading Berks School Employees is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Reading Berks School Employees's net worth ratio of 16.34% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.