Side-by-side · Q2 2026 data
Bethlehem 1st Federal Credit Union vs G.A.P. Federal Credit Union
Credit union
Bethlehem 1st Federal Credit Union
Bethlehem, Pennsylvania · Under $100 million in assets
Credit union
G.A.P. Federal Credit Union
Johnstown, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Bethlehem 1st Federal Credit Union | G.A.P. Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 87 (stronger) |
| Capital cushion | 74 | 87 (stronger) |
| Loan quality | 30 | 75 (stronger) |
| Earnings | 69 | 86 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 90 | 95 (stronger) |
| Peer percentile | 36th | 83rd |
| Total assets | $75.7M | $79.0M |
| Deposits / shares | $67.0M | $67.8M |
| Capital ratio | 12.36% | 13.74% (stronger) |
| Problem loans | 2.11% | 0.74% (stronger) |
| Net charge-offs | 0.44% | 0.33% (stronger) |
| Return on assets | 1.21% | 1.66% (stronger) |
| Loans ÷ deposits | 34.2% (stronger) | 57.3% |
| Uninsured deposits | 7.4% | 3.0% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
G.A.P. Federal Credit Union has the higher TellerScore (87 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Bethlehem 1st Federal Credit Union leads on 1 and G.A.P. Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.