Side-by-side · Q2 2026 data
Commercial Bank and Trust of PA vs Franklin Johnstown Federal Credit Union
Credit union
Franklin Johnstown Federal Credit Union
Johnstown, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Commercial Bank and Trust of PA | Franklin Johnstown Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 79 |
| Capital cushion | 97 (stronger) | 87 |
| Loan quality | 95 (stronger) | 86 |
| Earnings | 42 (stronger) | 32 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 90th | 62nd |
| Total assets | $357.5M | $37.3M |
| Deposits / shares | $307.7M | $32.8M |
| Capital ratio | 14.74% (stronger) | 13.71% |
| Problem loans | 0.14% (stronger) | 0.42% |
| Net charge-offs | 0.05% | -0.03% (stronger) |
| Return on assets | 0.56% (stronger) | 0.30% |
| Loans ÷ deposits | 53.8% | 34.4% (stronger) |
| Uninsured deposits | 14.5% | 0.9% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.7% | — |
Commercial Bank and Trust of PA has the higher TellerScore (86 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank and Trust of PA leads on 4 and Franklin Johnstown Federal Credit Union on 3. 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.