BlastPoint's Credit Union Scorecard

USSCO JOHNSTOWN

Charter #12219 · PA

100M-500M

1070 CUs in 100M-500M nationally 62 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

- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- ROA 0.21% below tier average
- Efficiency ratio 8.27% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	14,090 -0.9% YoY+0.2% QoQ	-1.1K	15,145 -2.5% YoY	18,228 +6.1% YoY	33,913 +5.7% YoY	54%
Assets	$172.7M +2.1% YoY+3.2% QoQ	$-59.0M	$231.7M +0.8% YoY	$307.3M +11.2% YoY	$578.3M +9.0% YoY	40%
Loans	$80.2M -2.6% YoY+1.8% QoQ	$-63.9M	$144.1M +0.2% YoY	$202.4M +9.8% YoY	$402.4M +8.7% YoY	25%
Deposits	$156.7M +0.5% YoY+3.7% QoQ	$-44.5M	$201.1M +0.4% YoY	$264.3M +10.7% YoY	$494.3M +9.1% YoY	44%

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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	0.5% +1.9% YoY-25.6% QoQ	-0.2%	0.7% +5.1% YoY	0.8% +3.2% YoY	0.4% -39.2% YoY	38%
NIM	3.0% +2.2% YoY-3.1% QoQ	-0.6%	3.6% +4.6% YoY	3.5% +3.1% YoY	3.8% +4.1% YoY	17%
Efficiency Ratio	86.3% +8.2% YoY+11.0% QoQ	+8.3%	78.0% -1.7% YoY	78.0% -8.8% YoY	84.6% +2.8% YoY	76%
Delinquency Rate	0.5% +284.2% YoY+70.4% QoQ	-0.3	0.8% +7.1% YoY	1.2% -7.0% YoY	1.2% +3.4% YoY	37%
Loan To Share	51.2% -3.1% YoY-1.9% QoQ	-19.2%	70.4% -0.4% YoY	52.5% -2.7% YoY	65.6% -1.4% YoY	Bottom 13.3% in tier
AMR	$16,812 +0.3% YoY+2.9% QoQ	$-8K	$24,918 +2.7% YoY	$16,757 +3.3% YoY	$19,920 +1.6% YoY	16%
CD Concentration	15.0% +10.9% YoY+2.9% QoQ	-9.3%	24.3%	15.4%	19.8%	50%
Indirect Auto %	71.4% +8.4% YoY+2.0% QoQ	+57.6%	13.8%	8.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Efficiency Drag

risk

#49 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 86.30%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.01% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -0.88%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#101 of 504 • 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): 2.12%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 71.42%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.88%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#202 of 727 • 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): 0.33% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Stagnation Risk

risk

#416 of 570 • 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): -0.88%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.62%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.45%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#518 of 570 • 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): -0.88%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#231 of 250 • 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: $172.70M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -0.88%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -2.62%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 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 1070 peers in tier

Top Strengths (3 metrics)

110

First Mortgage Concentration (%)

balance_sheet

Value: 8.26%

Peer Median: 29.47%

#110 of 1070 Top 10.2% in 100M-500M tier

159

Members Per Employee (MPE)

engagement

Value: 426.970

Peer Median: 309.176

#159 of 1070 Top 14.8% in 100M-500M tier

239

Share Certificate Concentration (%)

balance_sheet

Value: 15.00%

Peer Median: 23.10%

#239 of 1070 Top 22.2% in 100M-500M tier

Top Weaknesses (11 metrics)

1063

Indirect Auto Concentration (%)

balance_sheet

Value: 71.42%

Peer Median: 6.61%

#1063 of 1070 Bottom 0.7% in 100M-500M tier

946

Fee Income Per Member

profitability

Value: $83.65

Peer Median: $154.95

#946 of 1070 Bottom 11.7% in 100M-500M tier

946

Loan-to-Member Ratio (LMR)

engagement

Value: $5,693

Peer Median: $9,356

#946 of 1070 Bottom 11.7% in 100M-500M tier

928

Loan-to-Share Ratio

balance_sheet

Value: 51.20%

Peer Median: 71.88%

#928 of 1070 Bottom 13.4% in 100M-500M tier

904

Average Member Relationship (AMR)

engagement

Value: $16,812

Peer Median: $22,931

#904 of 1070 Bottom 15.6% in 100M-500M tier

891

Net Interest Margin (NIM)

profitability

Value: 3.01%

Peer Median: 3.62%

#891 of 1070 Bottom 16.8% in 100M-500M tier

869

Loan Growth Rate

growth

Value: -2.62%

Peer Median: 2.93%

#869 of 1070 Bottom 18.9% in 100M-500M tier

827

AMR Growth Rate

growth

Value: 0.32%

Peer Median: 3.46%

#827 of 1070 Bottom 22.8% in 100M-500M tier

813

Deposit Growth Rate

growth

Value: 0.53%

Peer Median: 3.30%

#813 of 1070 Bottom 24.1% in 100M-500M tier

811

Efficiency Ratio

profitability

Value: 86.30%

Peer Median: 78.68%

#811 of 1070 Bottom 24.3% in 100M-500M tier