Federal credit union · JOHNSTOWN, Pennsylvania · NCUA charter #3120
Johnstown School Employees
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $6.4M
- Total assets
- 522
- Members
- 25.2%
- Net-worth ratio
Johnstown School Employees scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $6.4M; members 522; net-worth ratio 25.24%; health rank #2,923 of 4,374; healthier than 31st of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,923 of 4,374 health · 2025Q4Johnstown School Employees · health 78/100 · $6.4M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Johnstown School Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Johnstown School Employees sits in 75-79 with 502 others.
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where Johnstown School Employees diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 73.08% here, 63.60% peer average (+9.48 pp).
- Widest shortfall vs peers is Return on Assets: -0.36 pp (0.09% vs 0.45%).
Johnstown School Employees in Pennsylvania
- Health composite ranks #172 of 275 among scored Pennsylvania credit unions.
- Assets rank #231 of 275 inside Pennsylvania ($6.4M reported).
- Member book place in Pennsylvania: #250 of 275.
- One place up in Pennsylvania, R-S Bellco (#171) scores 79/100, 1 point higher; one place down, Mt Pleasant Area School Emp (#173) ties at 78/100.
Quarter path for Johnstown School Employees
Johnstown School Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.3% from $6.4M (2025Q4) to $6.4M (2026Q1).
- Net-worth ratio shifted +0.22 pp (25.02% → 25.24%).
At 25.24%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 78/100 score is built
Johnstown School Employees gives up 22 points in total. Delinquency Rate costs the most, 9.7 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.3 pts
- Return on Assets 8.6 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 15.1 pts
Johnstown School Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 25.24% | +6.18 pp |
| Delinquency Rate | 1.63% | -0.18 pp |
| Return on Assets | 0.09% | -0.36 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 73.08% | +9.48 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Johnstown School Employees filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $6.4M | - |
| 2025Q4 | $6.4M | 522 |
| 2024Q4 | $6.6M | 522 |
| 2023Q4 | $7.2M | 526 |
Credit Union Details
- Charter Number
- 3120
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- $2M–$10M
- State
- Pennsylvania
- City
- JOHNSTOWN
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Johnstown School Employees runs one office.
| Office | City |
|---|---|
| Main (Main Office) | Johnstown, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
- UKRAINIAN SELFRELIANCE OF WEST. PA.Carnegie, PA · $2M–$10M80Health
- VALLEY PRIDEKingston, PA · $2M–$10M66Health
- U.A.L.U. 354YOUNGWOOD, PA · $2M–$10M78Health
- NEWELLNewell, PA · $2M–$10M81Health
- PACE RESOURCESYORK, PA · $2M–$10M84Health
Compare Johnstown School Employees vs UKRAINIAN SELFRELIANCE OF WEST. PA.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- Johnstown School Employees ranks #2,923 of 4,374 nationally on financial health and #172 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Ukrainian Selfreliance of West. PA. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Ukrainian Selfreliance of West. PA.
Frequently Asked Questions
Is Johnstown School Employees financially healthy?
Johnstown School Employees has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,923 of 4,374 nationally on health and #172 of 275 in Pennsylvania. Its net worth ratio is 25.24% and its delinquency rate 1.63%.
How does Johnstown School Employees compare to other credit unions?
Johnstown School Employees scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is loan-to-share ratio (73.08% vs 63.60%). Its widest shortfall is return on assets (0.09% vs 0.45%).
How can I join Johnstown School Employees?
Johnstown School Employees is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact Johnstown School Employees directly to confirm eligibility.
Is my money safe at Johnstown School Employees?
Johnstown School Employees is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Johnstown School Employees's net worth ratio of 25.24% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.