BlastPoint's Credit Union Scorecard
USSCO JOHNSTOWN
Charter #12219 · PA
USSCO JOHNSTOWN faces 12 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 23.6% in tier
- - Stagnation Risk: Bottom 85.9% in tier
- - Deposit Outflow: Bottom 89.7% in tier
- - Credit Quality Pressure: Bottom 90.8% in tier
- - Membership Headwinds: Bottom 94.4% in tier
- - Institutional Decline: Bottom 94.6% in tier
- - Shrinking Wallet Share: Bottom 95.7% in tier
- - Accelerating Exit Risk: Bottom 98.2% in tier
- - ROA 0.07% below tier average
- - Efficiency ratio 0.75% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 1.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,067
-0.7% YoY-0.6% QoQ
|
-1.4K |
15,437
-2.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
53% |
| Assets |
$167.3M
+2.0% YoY-0.2% QoQ
|
$-64.6M |
$231.9M
+1.3% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$78.8M
-2.1% YoY-0.3% QoQ
|
$-68.5M |
$147.3M
-0.1% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$151.0M
-1.0% YoY-0.7% QoQ
|
$-49.8M |
$200.8M
+0.8% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
42% |
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| ROA |
0.7%
+1.0% YoY+7.9% QoQ
|
-0.1% |
0.8%
+18.2% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
44% |
| NIM |
3.1%
+17.2% YoY+1.3% QoQ
|
-0.5% |
3.6%
+6.7% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
22% |
| Efficiency Ratio |
77.8%
-3.5% YoY+0.4% QoQ
|
+0.7% |
77.0%
-3.1% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
53% |
| Delinquency Rate |
0.3%
+13.0% YoY-9.4% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 13.0% in tier |
| Loan To Share |
52.2%
-1.1% YoY+0.4% QoQ
|
-20.0% |
72.2%
-1.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 12.7% in tier |
| AMR |
$16,341
-0.7% YoY-0.0% QoQ
|
$-8K |
$24,676
+3.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.1% in tier |
| CD Concentration |
14.6%
-1.7% YoY-3.4% QoQ
|
-9.8% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % |
70.0%
+5.3% YoY+5.1% QoQ
|
+56.2% | 13.8% | 8.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (8)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
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)