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
Call Report peers
Utilities Employees in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Utilities Employees sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Pennsylvania, Freedom United (#119) ties at 82/100; one place down, Franklin Johnstown (#121) ties at 82/100.
Utilities Employees Call Report trajectory
Utilities Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $1.50B (2025Q4) to $1.51B (2026Q1).
- Net-worth ratio shifted +0.07 pp (15.53% → 15.60%).
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
Utilities Employees gives up 18 points in total. Return on Assets costs the most, 10.2 of its 15; Net Worth Ratio and Member Growth score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Utilities Employees financially healthy?
Utilities Employees has a financial health score of 82/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,397 of 4,374 nationally on health and #120 of 275 in Pennsylvania. Its net worth ratio is 15.60% and its delinquency rate 1.09%.
How does Utilities Employees compare to other credit unions?
Utilities Employees scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is net worth ratio (15.60% vs 11.18%). Its widest shortfall is loan-to-share ratio (62.54% vs 83.90%).
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?
Utilities 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. Utilities Employees's net worth ratio of 15.60% 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.