# UTILITIES EMPLOYEES
READING, PA · NCUA charter 64896 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/utilities-employees-64896

Who the members are: state charter, organized 1934. 64,013 members of 1,040,464 potential (6.2% of the field); checking penetration 30% (share draft accounts per 100 members); loans per 100 members 45.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.51B |
| Members | 64,013 (0.0% YoY) |
| Full-time staff | 123 |
| Net worth | $235.1M |
| Net worth ratio | 15.6% (p95 of band) |
| ROA (annualized) | 0.53% (p34 of band) |
| Total delinquency | 1.04% (p81 of band) |
| Net charge-offs (annualized) | 0.19% (p14 of band) |
| Loans / shares | 63% (p10 of band) |
| Cash / assets | 3.0% |
| Borrowings / assets | 3.65% |
| Net interest margin | 2.28% (p5 of band) |
| Operating expense / assets | 2.09% (p7 of band) |
| Vehicles % of loans | 7% (p8 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p3 of band) |
| Vehicle delinquency | 0.44% (p31 of band) |
| Vehicle NCO | 0.28% (p8 of band) |
| Repossessed % of vehicle book | 0.21% (p84 of band) |
| Real estate % of loans | 54% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 99% |
| Core shares % of member funds | 25% |
| Certificates % of member funds | 36% |
| Average share balance | $12,441 |
| Participations bought / yr | $77.5M |
| Participations sold / yr | $1.8M |
| Participations outstanding | $227.0M |
| Loans outstanding per 100 members | 45% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $27,290 |
| Loans granted, annualized | $195.0M |

## Participation posture (from the same filings)

Bought $77.5M and sold $1.8M in the latest annualized quarter; $227.0M outstanding purchased (96.6% of net worth), $28.4M sold and retained. Sold in 8 and bought in 8 of the last 8 quarters. Shares 0.1% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 2 | delinquency 2x band, delinquency rising |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 0 |  | delinquency 2x band, delinquency rising |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 0 |  | net worth falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 3 | net worth falling, margin squeeze, delinquency rising |  |
| 2020-06 | 2 |  | margin squeeze |
| 2020-09 | 1 |  | delinquency rising |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | assets shrinking |  |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | assets shrinking |
| 2024-03 | 1 | net worth falling |  |
| 2024-06 | 2 | delinquency rising |  |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 0 |  | net worth falling |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-05-24 [Utilities Employees Credit Union to merge with NE PA Community FCU - Reading Eagle](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOb1pVOW1IYU44aHI1alBvYUFJQmRFZkgwdjBkdHRXUmtGRkRPRTkzSHMxVmxQWWExUVIxTTQwbFJIbFJQVDRUNmlrVzEycnZoRDVyWTJJWWtkazMzRjVpREFqRGRDbmVweXlueFMwNzVfMkVyUDhCY0tCemxUcFRidTY1MXo1WDdlRV8zLVFTMm9mY0VUdzRldmJjelo1R25VWkFFZlBnTUMyNzA?oc=5) · Reading Eagle
- 2022-04-28 [UECU Announces 2022 Student Scholarship for Pennsylvania Students - Berks Community Television](https://news.google.com/rss/articles/CBMinwFBVV95cUxNcEM3dGdQNGJDWkY3T0I3M0czQkdSOUowTWYweW9yaC1aQ3hBZTh2NWdtMy1vTFhDOGxFdktpRXc3Sk5CVS1NVXdBWWJmZXByaEc0LURBeEdEVWk1UFNPM1JkVGVtZ3pnYXRxNlA3M2tWUUdXR0lNTXhIR1VhMWJMRXJYSmZHZmRUbzJROFBjd0dER1F0VWs4SVYzeldvUXc?oc=5) · Berks Community Television
- 2024-12-26 [Utilities Employees Credit Union and NE PA Credit Union finalize merger - Reading Eagle](https://news.google.com/rss/articles/CBMisgFBVV95cUxQeEJJcEtMYndmNE1lcDNnRDFiYU9GOVlZS2ttajNBc1NmOFl5Tmw1TDd0REdmNlcwWjl6VjdSWG1VVjVJNE9Tb29sNTdWUlBrd1RnZ2FfTHpIUFlqSDVRcHJIRUMwSG53cFFVOEFlME93S0R2bnRnN0txTl9sUkxGaGg0T1N6bVZ4cXhGYnAxdkJTSlZDYU9GeXEzVjNXU25XTGtXS0hYTjRwN0JaM2RxYVFn?oc=5) · Reading Eagle
- 2020-08-26 [Utilities Employees CU names new CEO - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxNLTdWR3pWTURmVEZKUTM1ckRoN015dEh3cm53SFFYWkxnMXZTVXlZeHZsclk0S09TWm5xUFNvZ1pxQlRVWjZOdklYZ095MlN1N2NxZ1Bta3U2aHh6NXJCeHRSZXhOQTZVZzhrakRINWlCSHh1RHh4cHJvRzhiWGdJdEFHM0x3dkZBTXhickV5SnRVQm9PaEdwN3ZyUQ?oc=5) · American Banker
- 2026-04-10 [Looking for the Best Credit Union in Pennsylvania? Consider These 5 Top Organizations - Grit Daily News](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE00OTV0Mi02M01DcEVlTXJsVWxTVVA1XzdKdEl0b3JmeGp1ZlpRYnFZbEFNYkl1dDh5WjRicUdQdDV0TkFOVFBRb3BqZVNsb0VWQzRBSVN4QVhxTzVpLUZhVzdLNi1jXzg?oc=5) · Grit Daily News
- 2026-09-02 [2026 Fightin Phils Playoff Tickets on Sale NOW - MLB.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxOQkpxazRPVnl5YkVMN1E2RUtQSXEzNExIdzYzNlFrZDZBYU9NR19ENUFkdTVaOHFOd25zTzM3eWpOUWxCTjlnaHNXZU4zdy1JcXhmV2JtM1J3MktZZUJKVUlPTnJjbEl4RG9JVXVGeGNFSEM5VTh1NVd2dFlzU0E0Z082Ymtwc0pzX3FvM3pmQlZnTjhfaDBERmROOA?oc=5) · MLB.com
- 2021-01-10 [Thomas Nissley Obituary - Reading, PA - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxOeGNKZHJmc0tOYjZpZ2Vfb2thYkpHMElkZDJkSW9PdW1YZ0gyMEltMUNiRTRPaGlEdzFSOW9sY212RVRQclQ1U1k1VEctR3dXYW02SFZFeTF0cU5oRUVsNU9TR2RjSHFNRUlUNC1vLVlDQXlEOVZQTjg2clpBUzVMVDZn?oc=5) · Dignity Memorial
- 2025-08-15 [Youth Volunteer Corps of Reading to Host Second Annual 5K Walk for Compassion - Berks Community Television](https://news.google.com/rss/articles/CBMirwFBVV95cUxQUW13bTYxd1JuWm1sUmlWSDU5akRvQXFVWGgyUTE4bDBhQ1ViQ2l2RHB5UkNNaE5laktIdFc4VXFMS2ViZDZtRTdTM2tlbEpqZThvTEpZTnZMbHBoUGp1bXVFSDdIcVpNckQ2YU1pUjRUYWo0b29NeTkzYWxyTXZRZTZleXVIeks5Vmt2TTJSRmZSdWdrRlhrQzNBb1ZucXREQWxxdEsza1lQM2RqSUY0?oc=5) · Berks Community Television

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64896 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/0.json (key "64896", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=64896
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide