BlastPoint's Credit Union Scorecard
READING BERKS SCHOOL EMPLOYEES
Charter #60392 · PA
READING BERKS SCHOOL EMPLOYEES faces 4 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.16% below tier average
- - Efficiency ratio 2.82% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 3.2% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,269
-1.6% YoY-0.1% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
35% |
| Assets |
$13.5M
-6.3% YoY-2.1% QoQ
|
$-16.6M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
39% |
| Loans |
$5.8M
-8.0% YoY+0.8% QoQ
|
$-10.0M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
37% |
| Deposits |
$11.4M
-7.8% YoY-2.5% QoQ
|
$-14.3M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
39% |
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| ROA |
0.5%
+3.5% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
38% |
| NIM |
3.2%
+29.2% YoY-0.3% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
23% |
| Efficiency Ratio |
85.4%
-12.9% YoY-0.6% QoQ
|
+2.8% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
65% |
| Delinquency Rate |
0.3%
-93.8% YoY-86.8% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
31% |
| Loan To Share |
51.1%
-0.2% YoY+3.4% QoQ
|
-9.5% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
35% |
| AMR |
$13,520
-6.4% YoY-1.3% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
48% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)