BlastPoint's Credit Union Scorecard

USSCO JOHNSTOWN

Charter #12219 · PA

100M-500M

1069 CUs in 100M-500M nationally 61 in PA

USSCO JOHNSTOWN faces 8 concerns requiring attention

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

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 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% 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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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	Top 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)

No strengths identified

Concerns (8)

Indirect Auto Dependency

risk

#120 of 506 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.02%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 69.99%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -0.73%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Stagnation Risk

risk

#476 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.73%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.11%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.26%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Deposit Outflow

decline

#62 of 69 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.00%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Member Growth (YoY): -0.73%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally

→ No prior data (69 CUs now) | New qualifier

Credit Quality Pressure

risk

#640 of 705 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Membership Headwinds

decline

#523 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -0.73%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#227 of 240 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $167.29M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -0.73%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.11%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Shrinking Wallet Share

decline

#199 of 208 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -0.66%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

Accelerating Exit Risk

decline

#55 of 56 • Bottom 50.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -0.73%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -0.66%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

56 of 1069 Mid-Small & Community CUs have this signature | 69 nationally

→ No prior data (56 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (4 metrics)

117

First Mortgage Concentration (%)

balance_sheet

Value: 8.68%

Peer Median: -

#117 of 1069 Top 10.9% in 100M-500M tier

140

Total Delinquency Rate (60+ days)

risk

Value: 0.26%

Peer Median: -

#140 of 1069 Top 13.0% in 100M-500M tier

226

Share Certificate Concentration (%)

balance_sheet

Value: 14.58%

Peer Median: -

#226 of 1069 Top 21.0% in 100M-500M tier

228

Members Per Employee (MPE)

engagement

Value: 390.750

Peer Median: -

#228 of 1069 Top 21.2% in 100M-500M tier

Top Weaknesses (10 metrics)

1056

Indirect Auto Concentration (%)

balance_sheet

Value: 69.99%

Peer Median: -

#1056 of 1069 Bottom 1.3% in 100M-500M tier

966

Loan-to-Member Ratio (LMR)

engagement

Value: $5,604

Peer Median: -

#966 of 1069 Bottom 9.7% in 100M-500M tier

943

Fee Income Per Member

profitability

Value: $92.60

Peer Median: -

#943 of 1069 Bottom 11.9% in 100M-500M tier

933

Deposit Growth Rate

growth

Value: -1.00%

Peer Median: -

#933 of 1069 Bottom 12.8% in 100M-500M tier

933

Loan-to-Share Ratio

balance_sheet

Value: 52.20%

Peer Median: -

#933 of 1069 Bottom 12.8% in 100M-500M tier

918

Average Member Relationship (AMR)

engagement

Value: $16,341

Peer Median: -

#918 of 1069 Bottom 14.2% in 100M-500M tier

905

AMR Growth Rate

growth

Value: -0.66%

Peer Median: -

#905 of 1069 Bottom 15.4% in 100M-500M tier

839

Total Loans

balance_sheet

Value: $78.83M

Peer Median: -

#839 of 1069 Bottom 21.6% in 100M-500M tier

830

Net Interest Margin (NIM)

profitability

Value: 3.11%

Peer Median: -

#830 of 1069 Bottom 22.5% in 100M-500M tier

828

Loan Growth Rate

growth

Value: -2.11%

Peer Median: -

#828 of 1069 Bottom 22.6% in 100M-500M tier