READING BERKS SCHOOL EMPLOYEES
Charter #60392 · Reading, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,252 sits at the 21st percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 16th percentile but its structural peers at the 39th — a 23-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | READING BERKS SCHOOL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $13.35M | 14th pct | 15th pct |
| Members | 1,252 | 14th pct | 21th pct |
| Net worth ratio | 16.34% | 67th pct | 57th pct |
| Return on average assets | 0.46% | 39th pct | 49th pct |
| Net interest margin | 2.98% | 16th pct | 39th pct |
| Cost of funds | 1.57% | 79th pct | 72th pct |
| Loan-to-share | 50.82% | 39th pct | 44th pct |
| Delinquency 60+ days | 0.34% | 39th pct | 48th pct |
| Net charge-off ratio | 0.00% | 23th pct | 20th pct |
| Loan growth YoY | -1.35% | 59th pct | 62th pct |
| Share growth YoY | -4.07% | 5th pct | 5th pct |
| Efficiency ratio | 84.39% | 60th pct | 51th pct |
structural peer set hash: dd6391bc0e18de873720ebb565f4a6da… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.