TellerScore

Ussco Johnstown Federal Credit Union is a federal credit union headquartered in Johnstown, Pennsylvania, in business for about 68 years. At the end of Q2 2026 it reported $173.7M in total assets and $157.3M in member shares and deposits, with 4 offices.

Ussco Johnstown Federal Credit Union has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 74% of its 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 110th. Funding & liquidity contributes the most (100/100, 51% loans-to-deposits, 3% uninsured); earnings contributes the least (46/100, 0.64%).

TellerScore · Q2 2026

Scorecard

Capital cushion75/100
Net worth ratio: 12.48%
Loan quality88/100
Loans 60+ days delinquent ÷ total loans: 0.37%
Earnings46/100
Return on assets (annualized): 0.64%
Funding & liquidity100/100
Loans ÷ shares: 51.3% · 2.8% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.37%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (78 → 78).

TellerScore
767880Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202478
Q3 202477
Q4 202479
Q1 202578
Q2 202578
Q3 202579
Q4 202580
Q1 202676
Q2 202678
Net worth ratio
7.00%9.82%12.63%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202411.68%
Q3 202411.85%
Q4 202412.21%
Q1 202511.96%
Q2 202512.15%
Q3 202512.43%
Q4 202512.63%
Q1 202612.36%
Q2 202612.48%
Delinquent loans (60+ days)
0.10%0.28%0.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.10%
Q3 20240.23%
Q4 20240.23%
Q1 20250.12%
Q2 20250.21%
Q3 20250.29%
Q4 20250.26%
Q1 20260.45%
Q2 20260.37%
Return on assets
0.50%0.60%0.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.55%
Q3 20240.56%
Q4 20240.69%
Q1 20250.50%
Q2 20250.59%
Q3 20250.65%
Q4 20250.70%
Q1 20260.52%
Q2 20260.64%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$173.7M12.48%0.37%0.64%51.3%
Q1 202676$172.7M12.36%0.45%0.52%51.2%
Q4 202580$167.3M12.63%0.26%0.70%52.2%
Q3 202579$167.7M12.43%0.29%0.65%52.0%
Q2 202578$168.9M12.15%0.21%0.59%52.5%
Q1 202578$169.1M11.96%0.12%0.50%52.9%
Q4 202479$164.0M12.21%0.23%0.69%52.8%
Q3 202477$165.7M11.85%0.23%0.56%53.8%
Q2 202478$166.1M11.68%0.10%0.55%52.6%

1,341 peers · $100 million – $1 billion

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 ratio12.48%
64th
Problem loans0.37%
76th
Net charge-offs0.36%
49th
Return on assets0.64%
41st
Loans to deposits51.3%
89th
Uninsured deposits2.8%
84th
Loan-loss reserves0.00%
50th
Texas ratio1.4%
84th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Mountain Laurel Federal Credit UnionCredit union Saint Marys, PA99 out of 100, Very strong$174.2M19.7%0.08%vs
Frick Financial Federal Credit UnionCredit union Uniontown, PA60 out of 100, Moderate$174.7M12.9%2.97%vs
Arize Federal Credit UnionCredit union State College, PA40 out of 100, Below average$175.9M7.8%2.12%vs
Ufcw Community Federal Credit UnionCredit union Wyoming, PA86 out of 100, Very strong$181.4M15.3%1.18%vs
Omega Federal Credit UnionCredit union Wexford, PA64 out of 100, Moderate$186.9M11.0%0.99%vs
Priority First Federal Credit UnionCredit union Du Bois, PA77 out of 100, Strong$187.3M12.1%0.81%vs

Deposit insurance

Is my money safe at Ussco Johnstown Federal Credit Union?

Yes. Ussco Johnstown Federal Credit Union is a federally insured credit union (NCUA charter #12219). 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 2.8% of shares and deposits ($4.4M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.48%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Ussco Johnstown Federal Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Ussco Johnstown Federal Credit Union reported 54 home-loan applications under HMDA (LEI 254900BAP0HWWYV3VU73): 37 originated ($1,695,000 total), 11 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 22.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Ussco Johnstown Federal Credit Union
Type
Federal credit union
NCUA charter #
12219
RSSD ID
301583
Primary regulator
NCUA
Established
1958
Headquarters
532 Oakridge Dr, Johnstown, PA 15904
Employees
34

Quick answers

Ussco Johnstown Federal Credit Union: common questions

Is Ussco Johnstown Federal Credit Union NCUA insured?

Yes. Ussco Johnstown Federal Credit Union is a federally insured credit union (NCUA charter #12219). 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 Ussco Johnstown Federal Credit Union's TellerScore?

78 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.

How many branches does Ussco Johnstown Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Johnstown

InstitutionScoreAssetsCapitalProblem loansCompare
C-B-W Schools Federal Credit UnionCredit union Sidman, PA91 out of 100, Very strong$131.8M29.8%0.33%vs
A.B. Federal Credit UnionCredit union Duncansville, PA91 out of 100, Very strong$10.5M14.8%0.08%vs
G.A.P. Federal Credit UnionCredit union Johnstown, PA87 out of 100, Very strong$79.0M13.7%0.74%vs
Commercial Bank and Trust of PABank Latrobe, PA86 out of 100, Very strong$357.5M14.7%0.14%vs
Franklin Johnstown Federal Credit UnionCredit union Johnstown, PA79 out of 100, Strong$37.3M13.7%0.42%vs
Healthcare First Credit UnionCredit union Johnstown, PA76 out of 100, Strong$100.6M13.5%1.27%vs