Applications / Mortgage Analytics / Lenders / Pennsylvania / Utilities Employees Credit Union
Wyomissing, PA · Credit union · NCUA · $1.5 billion assets · 672 loans in 2025
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672
loans originated, 2025
1,048
applications, 2025
12
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Utilities Employees Credit Union is a Pennsylvania credit union lending mainly for home improvement and other purposes, whose originations rose above their level of five years before and whose share in Reading rose to 0.8%.
It made 672 loans, up 9% from 618, against 6% at similar lenders (credit unions making between half and twice as many loans), near the middle. It made 491 five years before; its peak was 912 in 2022. Its total rose to $92.8 million from $68.4 million.
It ranked 34 of 365 lenders in Reading, where it has lent since 2001, behind CrossCountry Mortgage and Rocket Mortgage; its share rose 0.2 points to 0.8%. It merged with NE PA Community Federal Credit Union in 2025; county detail would show whether the merger played a part.
LMI (low- and moderate-income) borrowers took 11.5% of its loans, against 26.9%, lower than nearly all peers, down from 19.5%; LMI areas took 7.2%, against 15.1%, down from 15.7%. The fact pack does not show why; its larger typical loan, $95,000 against $75,000 a year before, may be part of it, and a one-year change this large is worth checking county by county.
Home improvement was 36.5% of its loans and other purposes 35.4%; all were conventional, and it made no jumbo loans. Its typical loan, $95,000, was smaller than peers' $105,000.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Utilities Employees Credit Union took 1,048 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 36.5% · Other 35.4% · Purchase 15.6% · Refinance 12.5%
Conventional 100.0% · of 672 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 152 | 22.6% |
| New Jersey | 14 | 2.1% |
| New York | 10 | 1.5% |
| North Carolina | 5 | 0.7% |
| South Carolina | 5 | 0.7% |
| Maryland | 2 | 0.3% |
| Florida | 1 | 0.1% |
| Georgia | 1 | 0.1% |
| Tennessee | 1 | 0.1% |
| Texas | 1 | 0.1% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Reading | 120 |
| Lakewood-New Brunswick | 7 |
| Kiryas Joel-Poughkeepsie-Newburgh | 4 |
| Lancaster | 3 |
| Montgomery County-Bucks County-Chester County | 3 |
| Newark | 3 |
| New York-Jersey City-White Plains | 3 |
| Allentown-Bethlehem-Easton | 2 |
| Greensboro-High Point | 2 |
| Hilton Head Island-Bluffton-Port Royal | 2 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300AX5UMUZ61L1X54 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 7997 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 564896 | 2000–2017 |
Established 1 January 1934. Reported under HMDA 2000-2025.
Mergers, name changes, data editions and corrections: Utilities Employees Credit Union's data.
Utilities Employees Credit Union's data
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Utilities Employees Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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