Credit union · NCUA insured
USSCO Johnstown Federal Credit Union
A $172.7M credit union headquartered in Johnstown, PA, with 14,090 members and 4 branches in Pennsylvania. Best rates: CDs 3.03% and savings 0.20% APY.
USSCO Johnstown Federal Credit Union Carrot Score
64
Carrot Score
Higher than 10% of U.S. banks and credit unions
#13 of 17 in Johnstown, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About USSCO Johnstown Federal Credit Union
USSCO Federal Credit Union is a full-service financial institution operating Pennsylvania offices in Johnstown, Somerset, and Ebensburg.
- Headquarters
- 532 Oakridge Dr, Johnstown, PA 15904
- NCUA charter
- 12219
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees working for one of USSCO's select employee groups (SEGs) are eligible for membership.
Family and household
- Individuals with a relative who is an existing USSCO member are eligible to join.
Other ways
- Individuals who apply for and obtain USSCO / KLA financing at a dealership can join on the spot.
- Individuals can join as a friend of the Fraternal Order of Police, Lodge No. 86 (USSCO makes a donation to the organization for each member joining via this option).
- Individuals can join as a friend of the Humane Society of Cambria County (USSCO makes a donation to the organization for each member joining via this option).
Branches
4 branches in Pennsylvania
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Pennsylvania
4 branches
Johnstown area · 3
- RichlandMain office532 Oakridge Dr, Johnstown, PA 15904Directions
- Ebensburg118 Industrial Park Rd, Ebensburg, PA 15931Directions
- Moxham522 Central Ave, Johnstown, PA 15902Directions
Somerset area · 1
- Somerset180 Beacon St, Somerset, PA 15501Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.48% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.37% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.65% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $51 | $76 | — |
- CapitalNet worth ratio12.48%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.37%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.65%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$51Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of USSCO Johnstown Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.