Reading, Pennsylvania · Peer group 6
Utilities Employees Credit Union
Utilities Employees Credit Union holds $1.51B in assets across 64,013 members as of Q1 2026 — about $24K of assets per member, on a charter dating to 1934. Charter number 64896, in the $1B-$10B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $1.51B |
|---|---|
| Total loans | $788.1M |
| Total shares (deposits) | $1.26B |
| Net worth | $235.1M |
| Members | 64,013 |
| Assets per member | $24K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 1.2% | |
|---|---|---|
| Loans | 6.8% | around the 64th percentile of its peer group |
| Deposits | 0.1% | around the 14th percentile of its peer group |
| Members | 0.0% | around the 33rd percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 62.5% | around the 11th percentile of its peer group |
|---|---|---|
| Net worth ratio | 15.6% | higher than 94% of its peer group |
| Return on assets | 0.53% | around the 37th percentile of its peer group |
| Delinquency ratio | 1.04% | around the 80th percentile of its peer group |
| Cash / assets | 2.9% | lower than 96% of its peer group |
| Borrowings / assets | 3.6% | around the 67th percentile of its peer group |
What this page does not show
Everything above is Utilities Employees Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Pennsylvania — the comparison set a peer ratio is measured against.
- Freedom Credit Union
WARMINSTER, PA
$1.49B · 60,864 members
- First Commonwealth Credit Union
Lehigh Valley, PA
$1.48B · 98,419 members
- Patriot Credit Union
CHAMBERSBURG, PA
$1.33B · 81,733 members
- Diamond Credit Union
Pottstown, PA
$1.22B · 70,881 members
- People First Credit Union
Allentown, PA
$1.03B · 74,678 members
- Merck Sharp & Dohme Credit Union
CHALFONT, PA
$1.01B · 33,306 members
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