Healthcare First Credit Union
Johnstown, PA · Charter 65013 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 8 branches
Q2 2026
$100.6MAssets
$27.1MLoans
$85.7MShares
$13.6MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 56% of credit unions under $1B in assets in PA (rank 32 of 72).
- Widest gap: net interest margin trails 82% of credit unions under $1B in assets in PA (rank 59 of 72).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.94%
Rank 40 of 72
Net Interest Margin
2.98%
Rank 59 of 72
Efficiency Ratio
74.75%
Rank 38 of 72
Equity / Assets
13.49%
Rank 32 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.94% | 0.59% | 1.06% | 1.40% | Beats 44% | 40 / 72 | |
| Return on Equity | 6.98% | 5.27% | 7.11% | 9.91% | Beats 47% | 38 / 72 | |
| Net Interest Margin | 2.98% | 3.09% | 3.57% | 4.10% | Beats 18% | 59 / 72 | |
| Efficiency Ratio | 74.75% | 64.37% | 73.67% | 81.63% | Beats 49% | 38 / 72 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.27% | 0.20% | 0.58% | 1.09% | Beats 21% | 58 / 72 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.49% | 10.74% | 12.96% | 16.84% | Beats 56% | 32 / 72 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.49% | 10.74% | 12.96% | 16.84% | Beats 56% | 32 / 72 | |
| Liquidity & Funding |
| Loans / Deposits | 31.58% | 34.39% | 52.54% | 65.98% | 15th pctl | 61 / 72 | |
| Loans / Assets | 26.91% | 30.23% | 45.37% | 57.67% | 17th pctl | 60 / 72 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |