JOHNSTOWN SCHOOL EMPLOYEES
Charter #3120 · JOHNSTOWN, PA · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 520 sits at the 13th percentile of structural peers — worth a closer look.
- Net interest margin of 3.36% sits at the 18th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 44th percentile but its structural peers at the 13th — a 31-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 | JOHNSTOWN SCHOOL EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $6.41M | 74th pct | 51th pct |
| Members | 520 | 44th pct | 13th pct |
| Net worth ratio | 25.24% | 76th pct | 72th pct |
| Return on average assets | 0.59% | 57th pct | 39th pct |
| Net interest margin | 3.36% | 28th pct | 18th pct |
| Cost of funds | 1.63% | 81th pct | 70th pct |
| Loan-to-share | 74.22% | 68th pct | 48th pct |
| Delinquency 60+ days | 1.38% | 60th pct | 72th pct |
| Net charge-off ratio | 0.00% | 22th pct | 20th pct |
| Loan growth YoY | 1.24% | 78th pct | 77th pct |
| Share growth YoY | -1.14% | 39th pct | 21th pct |
| Efficiency ratio | 82.30% | 44th pct | 64th pct |
structural peer set hash: 30f6011073c51f4c338f37ceeebf915a… (reproducible)
Closest structural peers
This is the free public view
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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.