Johnstown, Pennsylvania · Peer group 5
Healthcare First Credit Union
Healthcare First Credit Union holds $101.0M in assets across 8,047 members as of Q1 2026 — about $13K of assets per member, on a charter dating to 1979. Charter number 65013, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $101.0M |
|---|---|
| Total loans | $27.6M |
| Total shares (deposits) | $86.3M |
| Net worth | $13.4M |
| Members | 8,047 |
| Assets per member | $13K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -0.3% | |
|---|---|---|
| Loans | -14.2% | lower than 99% of its peer group |
| Deposits | -1.3% | around the 14th percentile of its peer group |
| Members | -3.0% | around the 23rd percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 32.0% | lower than 98% of its peer group |
|---|---|---|
| Net worth ratio | 13.2% | around the 71st percentile of its peer group |
| Return on assets | 1.07% | around the 73rd percentile of its peer group |
| Delinquency ratio | 1.17% | around the 83rd percentile of its peer group |
| Cash / assets | 14.3% | around the 77th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Healthcare First Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Pennsylvania — the comparison set a peer ratio is measured against.
- Timberland Credit Union
DUBOIS, PA
$100.5M · 9,325 members
- Corner Post Credit Union
Wilkes Barre, PA
$98.5M · 5,274 members
- Valley 1st Community Credit Union
MONESSEN, PA
$104.2M · 7,342 members
- Freedom United Credit Union
ROCHESTER, PA
$94.8M · 6,838 members
- First Choice Credit Union
New Castle, PA
$93.9M · 9,534 members
- Palco FCU
MUNCY, PA
$109.5M · 6,218 members
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