BlastPoint's Credit Union Scorecard
READING BERKS SCHOOL EMPLOYEES
Charter #60392 · PA
READING BERKS SCHOOL EMPLOYEES faces 7 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 1.17% below tier average
- - Efficiency ratio 0.56% above tier (higher cost structure)
- - Member decline: -4.6% YoY
- - Fee Income Per Member: Bottom 3.0% in tier
- - First Mortgage Concentration (%): Bottom 3.4% in tier
- - Deposit Growth Rate: Bottom 8.4% in tier
- - Asset Growth Rate: Bottom 8.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 183 that size in Pennsylvania.
- Shares and deposits -9.3% year over year ($11.0M in shares and deposits).
- Membership: 1,223 members, -4.6% vs a year ago.
- Delinquency rate 1.07%.
- Return on assets 0.32%.
- Efficiency ratio 89.33% vs a 88.77% peer average.
- Loan-to-share ratio 50.85% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,223
-4.6% YoY-2.3% QoQ
|
-1.4K |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
34% |
| Assets |
$13.2M
-7.5% YoY-1.3% QoQ
|
$-17.1M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
38% |
| Loans |
$5.6M
-8.2% YoY-1.7% QoQ
|
$-9.9M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
37% |
| Deposits |
$11.0M
-9.3% YoY-1.7% QoQ
|
$-14.8M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
38% |
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| ROA |
0.3%
-15.3% YoY-31.3% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
19% |
| NIM |
3.0%
-4.0% YoY+0.5% QoQ
|
-0.9% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
17% |
| Efficiency Ratio |
89.3%
+1.6% YoY+5.9% QoQ
|
+0.6% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
70% |
| Delinquency Rate |
1.1%
-40.7% YoY+211.6% QoQ
|
-0.5 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
63% |
| Loan To Share |
50.8%
+1.2% YoY+0.1% QoQ
|
-8.0% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
38% |
| AMR |
$13,544
-4.5% YoY+0.6% QoQ
|
$-1K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
48% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 7.7% | 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)