BlastPoint's Credit Union Scorecard

USSCO JOHNSTOWN

Charter #12219 · PA

100M-500M

1024 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

- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: 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 0.22% below tier average
- Efficiency ratio 3.82% above tier (higher cost structure)

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 62 that size in Pennsylvania.
Shares and deposits +1.5% year over year ($157M in shares and deposits).
Membership: 14,125 members, -0.8% vs a year ago.
Delinquency rate 0.37%.
Return on assets 0.64%.
Efficiency ratio 80.55% vs a 76.73% peer average.
Loan-to-share ratio 51.26% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	14,125 -0.8% YoY+0.2% QoQ	-1.0K	15,168 -2.6% YoY	18,280 +5.8% YoY	34,678 +6.6% YoY	55%
Assets	$173.7M +2.9% YoY+0.6% QoQ	$-58.3M	$232.0M +0.7% YoY	$308.6M +9.9% YoY	$593.1M +10.2% YoY	40%
Loans	$80.7M -0.9% YoY+0.5% QoQ	$-65.6M	$146.3M +0.2% YoY	$207.1M +9.1% YoY	$418.6M +10.1% YoY	24%
Deposits	$157.3M +1.5% YoY+0.4% QoQ	$-43.4M	$200.7M +0.2% YoY	$264.2M +9.3% YoY	$504.8M +10.3% YoY	44%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% +9.3% YoY+23.7% QoQ	-0.2%	0.9% +12.5% YoY	1.0% +23.3% YoY	1.2% +121.4% YoY	39%
NIM	3.1% +3.0% YoY+3.0% QoQ	-0.6%	3.7% +4.5% YoY	3.5% +2.1% YoY	3.8% +2.3% YoY	18%
Efficiency Ratio	80.6% +2.5% YoY-6.7% QoQ	+3.8%	76.7% -0.8% YoY	76.6% -2.6% YoY	83.0% -5.3% YoY	59%
Delinquency Rate	0.4% +78.1% YoY-18.3% QoQ	-0.5	0.9% +6.6% YoY	1.2% -8.4% YoY	1.3% +2.6% YoY	25%
Loan To Share	51.3% -2.4% YoY+0.1% QoQ	-20.3%	71.5% -0.3% YoY	53.4% -2.0% YoY	66.4% -1.4% YoY	Bottom 12.9% in tier
AMR	$16,850 +1.5% YoY+0.2% QoQ	$-8K	$25,107 +3.2% YoY	$16,967 +3.7% YoY	$20,028 -0.9% YoY	16%
CD Concentration	14.9% +3.3% YoY-0.9% QoQ	-9.7%	24.6%	15.6%	20.0%	50%
Indirect Auto %	71.4% +7.2% YoY+0.0% QoQ	+57.8%	13.6%	8.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Indirect Auto Dependency

risk

#65 of 476 • 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): 2.87%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 71.44%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -0.79%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Efficiency Drag

risk

#236 of 531 • 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: 80.55%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.05% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -0.79%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | New qualifier

Credit Quality Pressure

risk

#389 of 693 • 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): 0.16% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

Stagnation Risk

risk

#452 of 549 • 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): -0.79%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -0.90%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.37%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Membership Headwinds

decline

#489 of 549 • 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): -0.79%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Institutional Decline

decline

#224 of 230 • 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: $173.72M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -0.79%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -0.90%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | 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 1024 peers in tier

Top Strengths (4 metrics)

110

First Mortgage Concentration (%)

balance_sheet

Value: 9.04%

Peer Median: 29.92%

#110 of 1024 Top 10.6% in 100M-500M tier

170

Members Per Employee (MPE)

engagement

Value: 415.441

Peer Median: 310.924

#170 of 1024 Top 16.5% in 100M-500M tier

215

Share Certificate Concentration (%)

balance_sheet

Value: 14.87%

Peer Median: 23.39%

#215 of 1024 Top 20.9% in 100M-500M tier

254

Total Delinquency Rate (60+ days)

risk

Value: 0.37%

Peer Median: 0.71%

#254 of 1024 Top 24.7% in 100M-500M tier

Top Weaknesses (7 metrics)

1015

Indirect Auto Concentration (%)

balance_sheet

Value: 71.44%

Peer Median: 6.15%

#1015 of 1024 Bottom 1.0% in 100M-500M tier

925

Fee Income Per Member

profitability

Value: $85.60

Peer Median: $159.88

#925 of 1024 Bottom 9.8% in 100M-500M tier

911

Loan-to-Member Ratio (LMR)

engagement

Value: $5,710

Peer Median: $9,434

#911 of 1024 Bottom 11.1% in 100M-500M tier

892

Loan-to-Share Ratio

balance_sheet

Value: 51.26%

Peer Median: 73.07%

#892 of 1024 Bottom 13.0% in 100M-500M tier

863

Average Member Relationship (AMR)

engagement

Value: $16,850

Peer Median: $23,006

#863 of 1024 Bottom 15.8% in 100M-500M tier

842

Net Interest Margin (NIM)

profitability

Value: 3.10%

Peer Median: 3.67%

#842 of 1024 Bottom 17.9% in 100M-500M tier

778

Total Loans

balance_sheet

Value: $80.65M

Peer Median: $124.04M

#778 of 1024 Bottom 24.1% in 100M-500M tier