Side-by-side · Q2 2026 data
Ameriserv Financial Bank vs Franklin Johnstown Federal Credit Union
Credit union
Franklin Johnstown Federal Credit Union
Johnstown, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Ameriserv Financial Bank | Franklin Johnstown Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 79 (stronger) |
| Capital cushion | 45 | 87 (stronger) |
| Loan quality | 75 | 86 (stronger) |
| Earnings | 55 (stronger) | 32 |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 90 | 98 (stronger) |
| Peer percentile | 21st | 62nd |
| Total assets | $1.5B | $37.3M |
| Deposits / shares | $1.3B | $32.8M |
| Capital ratio | 9.46% | 13.71% (stronger) |
| Problem loans | 0.76% | 0.42% (stronger) |
| Net charge-offs | 0.04% | -0.03% (stronger) |
| Return on assets | 0.88% (stronger) | 0.30% |
| Loans ÷ deposits | 79.3% | 34.4% (stronger) |
| Uninsured deposits | 39.3% | 0.9% (stronger) |
| Offices | 16 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.9% | — |
Franklin Johnstown Federal Credit Union has the higher TellerScore (79 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Ameriserv Financial Bank leads on 1 and Franklin Johnstown Federal Credit Union on 6. 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.