Federal credit union · JOHNSTOWN, Pennsylvania · NCUA charter #12219
Ussco Johnstown
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $167.3M
- Total assets
- 14,067
- Members
- 12.4%
- Net-worth ratio
Ussco Johnstown scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $167.3M; members 14,067; net-worth ratio 12.36%; health rank #1,265 of 4,374; healthier than 69th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,265 of 4,374 health · 2025Q4Ussco Johnstown · health 89/100 · $167.3M · 2025Q4
Call Report peers
Ussco Johnstown in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Ussco Johnstown vs every NCUA-scored credit union
Ussco Johnstown sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Ussco Johnstown vs $100M–$500M peers
- Delinquency Rate leads the peer set - 0.26% here, 0.89% peer average (-0.63 pp).
- Largest lag: Loan-to-Share Ratio at 52.20% vs peer 72.20% (-20.00 pp).
Where Ussco Johnstown sits in Pennsylvania
- Health composite ranks #60 of 275 among scored Pennsylvania credit unions.
- Assets rank #58 of 275 inside Pennsylvania ($167.3M reported).
- Member book place in Pennsylvania: #53 of 275.
- One place up in Pennsylvania, PHILADELPHIA (#59) ties at 89/100; one place down, OMEGA (#61) ties at 89/100.
Quarter path for Ussco Johnstown
Ussco Johnstown: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $167.3M (2025Q4) to $172.7M (2026Q1).
- Net-worth ratio shifted -0.27 pp (12.63% → 12.36%).
At 12.36%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 89/100 score is built
Ussco Johnstown gives up 11 points in total. Member Growth costs the most, 7.3 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.7 pts
- Loan-to-Share Ratio 11.3 pts
Ussco Johnstown vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.36% | +0.25 pp |
| Delinquency Rate | 0.26% | -0.63 pp |
| Return on Assets | 0.68% | +0.06 pp |
| Member Growth | -0.73% | - |
| Loan-to-Share Ratio | 52.20% | -20.00 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Ussco Johnstown
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $172.7M | - |
| 2025Q4 | $167.3M | 14,067 |
| 2024Q4 | $164.0M | 14,170 |
| 2023Q4 | $159.8M | 14,194 |
Credit Union Details
- Charter Number
- 12219
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- JOHNSTOWN
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, Ussco Johnstown runs 4 offices in 3 different cities.
| Office | City |
|---|---|
| Richland (Main Office) | Johnstown, PA |
| Ebensburg | Ebensburg, PA |
| Moxham | Johnstown, PA |
| Somerset | Somerset, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
Other federally-insured credit unions in Pennsylvania, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- Ussco Johnstown ranks #1,265 of 4,374 nationally on financial health and #60 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mountain Laurel is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mountain Laurel
Frequently Asked Questions
Is Ussco Johnstown financially healthy?
Ussco Johnstown has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,265 of 4,374 nationally on health and #60 of 275 in Pennsylvania. Its net worth ratio is 12.36% and its delinquency rate 0.26%.
How does Ussco Johnstown compare to other credit unions?
Ussco Johnstown scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.26% vs 0.89%). Its widest shortfall is loan-to-share ratio (52.20% vs 72.20%).
How can I join Ussco Johnstown?
Ussco Johnstown operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Ussco Johnstown directly for the exact boundaries and application steps.
Is my money safe at Ussco Johnstown?
Ussco Johnstown 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. Ussco Johnstown's net worth ratio of 12.36% 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.