BlastPoint's Credit Union Scorecard
JOHNSTOWN SCHOOL EMPLOYEES
Charter #3120 · PA
JOHNSTOWN SCHOOL EMPLOYEES has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.66% below tier average
- - Efficiency ratio 19.00% above tier (higher cost structure)
- - Delinquency rate 0.07% above tier average
- - Fee Income Per Member: Bottom 3.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
522
0% YoY-1.1% QoQ
|
-2.1K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
Bottom 14.1% in tier |
| Assets |
$6.4M
-2.5% YoY-0.4% QoQ
|
$-23.7M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$3.5M
+4.0% YoY+0.3% QoQ
|
$-12.2M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$4.8M
-3.3% YoY-0.6% QoQ
|
$-20.9M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
22% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.0%
-148.1% YoY-65.8% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 15.0% in tier |
| NIM |
2.7%
-4.1% YoY+3.1% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 11.5% in tier |
| Efficiency Ratio |
101.6%
+4.9% YoY-3.0% QoQ
|
+19.0% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
Top 10.1% in tier |
| Delinquency Rate |
1.6%
+0.7% YoY-6.1% QoQ
|
+0.1 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
73% |
| Loan To Share |
73.1%
+7.6% YoY+0.8% QoQ
|
+12.5% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$15,978
-0.3% YoY+0.9% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
61% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)