BlastPoint's Credit Union Scorecard
JOHNSTOWN SCHOOL EMPLOYEES
Charter #3120 · PA
JOHNSTOWN SCHOOL EMPLOYEES has 2 strengths but faces 5 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 0.81% below tier average
- - Efficiency ratio 23.32% above tier (higher cost structure)
- - Delinquency rate 0.22% above tier average
- - Fee Income Per Member: Bottom 3.9% in tier
- - Net Interest Margin (NIM): Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
528
+1.0% YoY+6.0% QoQ
|
-2.1K |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
Bottom 14.7% in tier |
| Assets |
$6.5M
-3.3% YoY-0.5% QoQ
|
$-23.4M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
24% |
| Loans |
$3.5M
+2.4% YoY+4.3% QoQ
|
$-12.3M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
27% |
| Deposits |
$4.8M
-4.2% YoY-0.8% QoQ
|
$-20.6M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
23% |
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| ROA |
-0.1%
-169.4% YoY-13.4% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.5% in tier |
| NIM |
2.6%
-5.5% YoY+3.8% QoQ
|
-1.3% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 9.3% in tier |
| Efficiency Ratio |
104.7%
+11.7% YoY-0.9% QoQ
|
+23.3% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Top 8.6% in tier |
| Delinquency Rate |
1.7%
+6.0% YoY-10.8% QoQ
|
+0.2 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
76% |
| Loan To Share |
72.5%
+7.0% YoY+5.1% QoQ
|
+11.2% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
66% |
| AMR |
$15,831
-2.5% YoY-4.4% QoQ
|
+$1K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
62% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
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)