State credit union · READING, Pennsylvania · NCUA charter #64896
Utilities Employees
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $1.50B
- Total assets
- 64,606
- Members
- 15.6%
- Net-worth ratio
Utilities Employees scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.50B; members 64,606; net-worth ratio 15.60%; health rank #2,397 of 4,374; healthier than 43rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,397 of 4,374 health · 2025Q4Utilities Employees · health 82/100 · $1.50B · 2025Q4
- HEALTH 82/100
- NW 15.6%
- DELQ 1.09%
- ROA 0.01%
- ASSETS $1.50B
- MEM 64,606
- RANK #2,397/4,374
- PHOTO Marion and Polk Schools
- BOOK 64896
Call Report peers
Utilities Employees in the assets neighbourhood
Utilities Employees's $1.50B assets sit next to Marion and Polk Schools ($1.51B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Utilities Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Utilities Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #64896. See our deposit-insurance coverage note.
Where Utilities Employees diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Net Worth Ratio: +4.42 pp (15.60% vs 11.18%).
- Loan-to-Share Ratio trails the peer set - 62.54% here, 83.90% peer average (-21.36 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Pennsylvania standing for Utilities Employees
- Health composite ranks #120 of 275 among scored Pennsylvania credit unions.
- By total assets, Utilities Employees is #10 of 275 in Pennsylvania.
- Pennsylvania membership ordinal: #16 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Utilities Employees Call Report trajectory
Utilities Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $1.50B (2025Q4) to $1.51B (2026Q1).
- Net-worth ratio shifted +0.07 pp (15.53% → 15.60%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
15.60% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 82/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.3 pts
- Return on Assets 4.8 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 12.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.60% | +4.42 pp |
| Delinquency Rate | 1.09% | +0.21 pp |
| Return on Assets | 0.01% | -0.50 pp |
| Member Growth | 29.26% | - |
| Loan-to-Share Ratio | 62.54% | -21.36 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - Utilities Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.51B | - |
| 2025Q4 | $1.50B | 64,606 |
| 2024Q4 | $1.30B | 49,980 |
| 2023Q4 | $1.29B | 49,549 |
Credit Union Details
- Charter Number
- 64896
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Pennsylvania
- City
- READING
- Data Quarter
- 2025Q4
Branch Locations (2)
Utilities Employees operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Utilities Employees Credit Union (Main Office) | Wyomissing, PA |
| NEPA Office Location | Stroudsburg, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
Utilities Employees nationwide neighbourhoods
Two NCUA Call Report peer sets for Utilities Employees, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.50B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
Using this data
- Utilities Employees ranks #2,397 of 4,374 nationally on financial health and #120 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- FREEDOM is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with FREEDOM
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Utilities Employees financially healthy?
Yes/no aside, the number is 82/100 (Excellent) - Utilities Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,397 of 4,374; by total assets it ranks #318 of 4,374 nationally (same basis as /rankings/largest); and #10 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 15.60% net worth ratio and 1.09% delinquency rate are the key drivers.
How does Utilities Employees compare to other credit unions?
Utilities Employees scores 82/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Utilities Employees?
Membership eligibility for Utilities Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Utilities Employees directly for current membership requirements and application steps.
Is my money safe at Utilities Employees?
Federal credit unions like Utilities Employees are 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. Utilities Employees's net worth ratio of 15.60% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Utilities Employees offer compared to banks?
Credit unions like Utilities Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Utilities Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.