TellerScore

Johnstown School Employees Federal Credit Union is a federal credit union headquartered in Johnstown, Pennsylvania, in business for about 87 years. At the end of Q2 2026 it reported $6.2M in total assets and $4.6M in member shares and deposits.

Based on its Q2 2026 filing, Johnstown School Employees Federal Credit Union scores 75/100, which we describe as strong. That is higher than 52% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 143rd. Its strongest component is capital cushion (100/100; 26.08%), and its lowest is earnings (33/100; 0.32%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 26.08%
Loan quality65/100
Loans 60+ days delinquent ÷ total loans: 1.04%
Earnings33/100
Return on assets (annualized): 0.32%
Funding & liquidity82/100
Loans ÷ shares: 78.7% · 0.0% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.28%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 11 points (64 → 75), mostly because the loan quality component improved by 30 points.

TellerScore
647177Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202470
Q4 202469
Q1 202568
Q2 202564
Q3 202566
Q4 202567
Q1 202675
Q2 202675
Net worth ratio
7.00%16.54%26.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202423.47%
Q3 202424.12%
Q4 202424.43%
Q1 202524.32%
Q2 202524.67%
Q3 202524.87%
Q4 202525.02%
Q1 202625.24%
Q2 202626.08%
Delinquent loans (60+ days)
0.63%1.29%1.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.63%
Q3 20241.63%
Q4 20241.61%
Q1 20251.42%
Q2 20251.94%
Q3 20251.73%
Q4 20251.63%
Q1 20261.38%
Q2 20261.04%
Return on assets
-0.32%0.14%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.03%
Q3 20240.18%
Q4 20240.09%
Q1 2025-0.32%
Q2 2025-0.14%
Q3 2025-0.12%
Q4 2025-0.04%
Q1 20260.60%
Q2 20260.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$6.2M26.08%1.04%0.32%78.7%
Q1 202675$6.4M25.24%1.38%0.60%74.2%
Q4 202567$6.4M25.02%1.63%-0.04%73.1%
Q3 202566$6.5M24.87%1.73%-0.12%72.5%
Q2 202564$6.5M24.67%1.94%-0.14%68.9%
Q1 202568$6.6M24.32%1.42%-0.32%68.2%
Q4 202469$6.6M24.43%1.61%0.09%67.9%
Q3 202470$6.7M24.12%1.63%0.18%67.8%
Q2 202477$6.8M23.47%0.63%-0.03%68.0%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio26.08%
90th
Problem loans1.04%
38th
Net charge-offs0.00%
77th
Return on assets0.32%
33rd
Loans to deposits78.7%
21st
Uninsured deposits0.0%
81st
Loan-loss reserves0.60%
79th
Texas ratio2.3%
50th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Montoursville Area Federal Credit UnionCredit union Montoursville, PA91 out of 100, Very strong$6.2M14.2%0.03%vs
Valley Pride Federal Credit UnionCredit union Kingston, PA64 out of 100, Moderate$6.3M17.5%4.23%vs
Pace Resources Federal Credit UnionCredit union York, PA80 out of 100, Strong$6.5M17.9%1.01%vs
Northwood Federal Credit UnionCredit union Philadelphia, PA75 out of 100, Strong$6.6M19.7%0.63%vs
Newell Federal Credit UnionCredit union Newell, PA71 out of 100, Strong$5.7M10.7%0.00%vs
Ukrainian Selfreliance of West. Pa. Federal Credit UnionCredit union Carnegie, PA44 out of 100, Below average$6.7M10.3%2.10%vs

Deposit insurance

Is my money safe at Johnstown School Employees Federal Credit Union?

Yes. Johnstown School Employees Federal Credit Union is a federally insured credit union (NCUA charter #3120). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 26.08%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Johnstown School Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
3120
RSSD ID
516677
Primary regulator
NCUA
Established
1939
Headquarters
738 Viewmont Ave, Johnstown, PA 15905
Employees
2

Quick answers

Johnstown School Employees Federal Credit Union: common questions

Is Johnstown School Employees Federal Credit Union NCUA insured?

Yes. Johnstown School Employees Federal Credit Union is a federally insured credit union (NCUA charter #3120). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Johnstown School Employees Federal Credit Union's TellerScore?

75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.