Johnstown School Employees
Johnstown, PA · Charter 3120 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 1 branch
Q2 2026
$6.2MAssets
$3.6MLoans
$4.6MShares
$1.6MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 94% of credit unions under $1B in assets in PA (rank 4 of 72).
- Widest gap: return on equity trails 96% of credit unions under $1B in assets in PA (rank 69 of 72).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.32%
Rank 64 of 72
Net Interest Margin
3.38%
Rank 45 of 72
Efficiency Ratio
90.48%
Rank 68 of 72
Equity / Assets
26.08%
Rank 4 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.32% | 0.59% | 1.06% | 1.40% | Beats 11% | 64 / 72 | |
| Return on Equity | 1.24% | 5.27% | 7.11% | 9.91% | Beats 4% | 69 / 72 | |
| Net Interest Margin | 3.38% | 3.09% | 3.57% | 4.10% | Beats 38% | 45 / 72 | |
| Efficiency Ratio | 90.48% | 64.37% | 73.67% | 81.63% | Beats 7% | 68 / 72 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.03% | 0.20% | 0.58% | 1.09% | Beats 29% | 52 / 72 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 26.08% | 10.74% | 12.96% | 16.84% | Beats 94% | 4 / 72 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 26.08% | 10.74% | 12.96% | 16.84% | Beats 94% | 4 / 72 | |
| Liquidity & Funding |
| Loans / Deposits | 78.70% | 34.39% | 52.54% | 65.98% | 90th pctl | 7 / 72 | |
| Loans / Assets | 58.16% | 30.23% | 45.37% | 57.67% | 78th pctl | 16 / 72 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |