USSCO JOHNSTOWN
Charter #12219 · JOHNSTOWN, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.06% sits at the 21st percentile of structural peers — worth a closer look.
- Efficiency ratio of 86.30% sits at the 80th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 40th percentile but its structural peers at the 67th — a 27-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | USSCO JOHNSTOWN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $172.70M | 40th pct | 67th pct |
| Members | 14,090 | 54th pct | 70th pct |
| Net worth ratio | 12.36% | 62th pct | 49th pct |
| Return on average assets | 0.53% | 38th pct | 30th pct |
| Net interest margin | 3.06% | 17th pct | 21th pct |
| Cost of funds | 0.64% | 24th pct | 43th pct |
| Loan-to-share | 51.20% | 13th pct | 31th pct |
| Delinquency 60+ days | 0.45% | 37th pct | 56th pct |
| Net charge-off ratio | 0.38% | 52th pct | 54th pct |
| Loan growth YoY | 1.43% | 61th pct | 67th pct |
| Share growth YoY | 2.97% | 42th pct | 48th pct |
| Efficiency ratio | 86.30% | 76th pct | 80th pct |
structural peer set hash: 198bb89d3e72ea39a68ffbaa4e22921c… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.