Ussco Johnstown Credit Union

Ussco Johnstown Credit Union is headquartered in JOHNSTOWN and is the 58^th largest credit union in the state of Pennsylvania. It is also the 1,484^th largest credit union in the nation. It was established in 1958 and as of December of 2011, it had grown to 30 employees and 13,256 members. Ussco Johnstown Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics USSCO JOHNSTOWN NCUA # 12219 BankRate Report View Year Chartered 1958 Employees 30 Primary Regulator Assets and Liabilities Assets $94.12 million Loans $56.51 million Deposits $85.39 million Equity Capital $8.28 million Loan Loss Allowance $1.18 million Unbacked Noncurrent Loans $520,000 Real Estate Owned $92,000 Historic Data - December 2010 Assets $92.45 million Equity Capital $7.24 million Loan Loss Allowance $1.77 million Unbacked Noncurrent Loans $741,000 Real Estate Owned $136,000 Profit Margin - Quarterly Net Interest Margin 4.9% Return on Assets 0.94% Return on Equity 10.65% Interest Income $3.72 million Non-Interest Income $1.51 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Ussco Johnstown Credit Union had $612,000 in non-current loans and owned real-estate with $9.45 million in equity and loan loss allowances on hand to cover it. This gives Ussco Johnstown Credit Union a Texas Ratio of 6.47% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Ussco Johnstown Credit Union decreased slightly from 9.73% as of December 31, 2010 to 6.47% as of December 31, 2011, resulting in a positive change of 33.47%.This indicates that the balance sheet and financial strength for Ussco Johnstown Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Ussco Johnstown Credit Union has increased its total deposits by $462,000, resulting in 0.54% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Ussco Johnstown Credit Union has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Ussco Johnstown Credit Union has $94.12 million in assets with $9.45 million in equity, resulting in a capitalization level of 10.04%, which is above average.

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