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Utilities Employees Credit Union is ranked in the top 200 healthiest credit unions in the United States

(As Published In:, 2021) has ranked UECU as one of the healthiest credit unions in America from 2019 to 2021. Out of 5,099 credit unions in the country, UECU is ranked in the top 200. In the state of Pennsylvania, UECU is #2 on the list of healthy credit unions. evaluates the financial health of over 12,000 banks and credit unions in the United States once per quarter and has been tracking healthy institutions since 2010. To determine bank ranking and recognition, grades each institution on a number of factors, including the institution’s Texas Ratio, deposit growth, and capitalization. To learn more, visit

5-Star Rated by BauerFinancial, Inc.

For 30 years, Utilities Employees Credit Union has consistently received the 5-Star “Superior” Rating from BauerFinancial, Inc., an independent firm that analyzes banks and credit unions. To achieve this status, every quarter in which it has been ranked, Utilities Employees Credit Union has been assessed as having the highest ranking level in capital adequacy, asset quality and stability.

BauerFinancial, Inc. recommends those credit unions rated either 5-Star or 4-Star on a zero-to-five-star scale. These credit unions are deemed safe, financially sound credit unions that are operating well above their regulatory requirements. Bauer classifies each ranked U.S. credit union through a complex formula based on factors including capital, historical performance trends, loan delinquencies and charge-offs, investment portfolio quality, capital reserves, regulatory compliance, and total asset quality. The BauerFinancial, Inc. Star Ratings Scale uses five levels for credit union ranking: Superior (5 Stars), Excellent, Adequate, Problematic, and Troubled (1 Star). Information about Bauer Financial and its standards for evaluating financial institutions is available on their website at


Utilities Employees Credit Union holds a Superior Rating from IDC Financial Publishing, Inc., an independent firm that provides key performance measurement data for government-reporting financial institutions across the country. IDC Financial Publishing, Inc. calculates a one-number quality rank for each institution along with over 35 key financial ratios. There are six categories: Superior (200-300), Excellent (165-199), Average (125-164), Below Average (75-124), and Lowest Ratios (2-74) and Rank One. The analysis is based on the financial information each institution reports to the Federal Government.

Credit unions rated Superior are classified as the best in all measures. On average, they have the strongest capital ratios, the best asset quality, and are the most profitable. Many of these institutions demonstrate an ability to generate a core return on net worth (ROE) above cost of net worth (COE). For more information about IDC Financial Publishing, Inc. please visit their website at


Press Releases and Announcements

A Message from Our President

July, 2021

I am always very excited to share updates about new member benefits. But this one, in particular, is one of my all-time favorite ones to announce. On July 1, 2021, we’re launching our enhanced checking lineup with extra money-saving perks. Our new Rewards Checking and Rewards Checking PLUS Accounts, powered by BaZing, will provide you with ongoing monthly savings and personal protection features. Not only will you get new benefits like roadside assistance, a health savings discount card, and cell phone protection1, you’ll also have access to our brand new app. The Member Perks App is loaded with local discounts and national retailer deals to save you money on travel, entertainment, dining, prescriptions, groceries, clothing, and so much more2. You can continue to use the UECU Mobile Banking App for your daily financial transactions.

Keeping safety at the forefront, we also added an ID Theft Aid with fraud assistance services to help you combat identity theft. And because we know how much you love your VantagePoints™ rewards and ATM surcharge rebates, we kept those too! We also added a new checking account to our lineup, Freedom Checking. It’s a basic checking account with full-service features like online and mobile banking, surcharge rebates, and debit card rewards.

If you currently have a UECU checking account, there’s nothing you need to do. Your existing account will transition to one of our new checking accounts on August 1, 2021. We’ll be sending a letter with important details in early July. I encourage you to read about your new account, so you don’t miss out on all the money-saving benefits and personal protection features. These account changes will not impact your checks, direct deposits, automatic transfers, ACH payments, or your UECU Visa® debit card. If you don’t have a UECU checking account yet, you can easily open one in Advantages Online™, just visit and log into online banking to get started. Should you have questions about the new checking accounts, please don’t hesitate to contact us. Our Member Service Representatives are only a phone call away.

I hope you enjoy your summer and all the new ways to save with UECU!


Bret Krevolin

Fee Schedule

Click below to view the Fee Schedule effective August 1, 2021.


Annual Reports

2020 Annual Report
2019 Annual Report
2018 Annual Report
2017 Annual Report