Federal credit union · JOHNSTOWN, Pennsylvania · NCUA charter #3120
Johnstown School Employees
Health score 78/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $6.4M
- Total assets
- 522
- Members
- 23.2%
- Net-worth ratio
Johnstown School Employees - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #3120 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Johnstown School Employees - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)61
- Earnings (ROA)57
- Member growth60
- Liquidity (loan-to-share)100
Weighted composite: 78/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 23.24%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 23.24% | 30% |
| Delinquency Rate | 1.63% | 25% |
| Return on Assets | 0.09% | 15% |
| Member Growth | 0.00% | 15% |
| Loan-to-Share Ratio | 73.08% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Johnstown School Employees
Charter #3120, peer group $2M–$10M, a cohort of 566 similarly-sized institutions: that's Johnstown School Employees, a federal credit union in JOHNSTOWN, Pennsylvania with 522 members, $6.4M in total assets, and $3.5M in outstanding loans as of Q4 2025. The five-factor composite scores it 78/100 (Very Good), helped by a net worth ratio of 23.24% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Deposits deployed into lending sit at a 73.08% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 1.63% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Return on assets stands at 0.09% on net income of $6K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.00%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Single Common Bond). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
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–$10M75Health
- PACE RESOURCESYORK, PA · $2M–$10M84Health
Compare Johnstown School Employees vs UKRAINIAN SELFRELIANCE OF WEST. PA.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Johnstown School Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Johnstown School Employees carries a financial health score of 78/100 (Very Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 23.24% net worth ratio and a 1.63% delinquency rate.
How does Johnstown School Employees compare to other credit unions?
78/100 is Johnstown School Employees's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Johnstown School Employees are 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 23.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Johnstown School Employees offer compared to banks?
Credit unions like Johnstown School Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Johnstown School Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.