Applications / Mortgage Analytics / Lenders / Pennsylvania / Ussco Federal Credit Union
Johnstown, PA · Credit union · NCUA · $167 million assets · 37 loans in 2025
Ussco Federal Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
37
loans originated, 2025
54
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Ussco Federal Credit Union is a small home-improvement lender in Johnstown, Pennsylvania, and its loans are as small as any similar lender's.
Home improvement made up 67.6% of its 37 loans in 2025, and refinances 21.6%. It made no purchase loans. Its typical loan was $35,000, against $90,000 at similar lenders (credit unions making between half and twice as many loans), as low as any in the group. Every loan was conventional.
It has lent in Johnstown since at least 1990 and ranks 39 of 143 lenders there. Its share slipped from 0.5% to 0.4%. First Commonwealth Bank and First National Bank of Pennsylvania lead that market. It lends in just two counties.
Its loans fell 18%, from 45 to 37, while similar lenders held steady and the whole market grew 10%. It made 62 loans in 2018 and 55 in 2023; it filed no HMDA reports for 2020 to 2022. On numbers this small, a few loans either way make a large difference.
None of its loans went to low- and moderate-income neighborhoods, against 17.4% at peers. Lending confined to two counties may mean it serves few such neighborhoods.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Ussco Federal Credit Union took 54 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Home improvement 67.6% · Refinance 21.6% · Other 10.8%
Conventional 100.0% · of 37 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Pennsylvania | 37 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Johnstown | 25 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 254900BAP0HWWYV3VU73 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 301583 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 512219 | 1990–2017 |
Established 1 January 1958. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Ussco Federal Credit Union's data.
Ussco Federal Credit Union's data
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Ussco Federal Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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