UTILITIES EMPLOYEES
Charter #64896 · READING, PA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.60% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 2.28% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 2.33% sits at the 89th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.04% sits at the 85th percentile of structural peers — worth a closer look.
- On Members, the asset-size band puts this credit union at the 13th percentile but its structural peers at the 62nd — a 49-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 | UTILITIES EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.51B | 32th pct | 67th pct |
| Members | 64,013 | 13th pct | 62th pct |
| Net worth ratio | 15.60% | 95th pct | 95th pct |
| Return on average assets | 0.53% | 32th pct | 36th pct |
| Net interest margin | 2.28% | 5th pct | 13th pct |
| Cost of funds | 2.33% | 80th pct | 89th pct |
| Loan-to-share | 62.54% | 9th pct | 41th pct |
| Delinquency 60+ days | 1.04% | 80th pct | 85th pct |
| Net charge-off ratio | 0.19% | 13th pct | 38th pct |
| Loan growth YoY | 4.05% | 74th pct | 79th pct |
| Share growth YoY | 1.04% | 10th pct | 7th pct |
| Efficiency ratio | 76.25% | 63th pct | 38th pct |
structural peer set hash: 74ea3562eefc3002906082c89703427c… (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.