Side-by-side · Q2 2026 data
Ameriserv Financial Bank vs C-B-W Schools Federal Credit Union
Credit union
C-B-W Schools Federal Credit Union
Sidman, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Ameriserv Financial Bank | C-B-W Schools Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 91 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 75 | 89 (stronger) |
| Earnings | 55 | 69 (stronger) |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 21st | 96th |
| Total assets | $1.5B | $131.8M |
| Deposits / shares | $1.3B | $96.1M |
| Capital ratio | 9.46% | 29.78% (stronger) |
| Problem loans | 0.76% | 0.33% (stronger) |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 0.88% | 1.23% (stronger) |
| Loans ÷ deposits | 79.3% | 28.6% (stronger) |
| Uninsured deposits | 39.3% | 8.4% (stronger) |
| Offices | 16 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.9% | 0.0% |
C-B-W Schools Federal Credit Union has the higher TellerScore (91 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Ameriserv Financial Bank leads on 0 and C-B-W Schools Federal Credit Union on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.