Side-by-side · Q2 2026 data
Commercial Bank and Trust of PA vs G.A.P. Federal Credit Union
Credit union
G.A.P. Federal Credit Union
Johnstown, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Commercial Bank and Trust of PA | G.A.P. Federal Credit Union |
|---|---|---|
| TellerScore | 86 | 87 (stronger) |
| Capital cushion | 97 (stronger) | 87 |
| Loan quality | 95 (stronger) | 75 |
| Earnings | 42 | 86 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 90th | 83rd |
| Total assets | $357.5M | $79.0M |
| Deposits / shares | $307.7M | $67.8M |
| Capital ratio | 14.74% (stronger) | 13.74% |
| Problem loans | 0.14% (stronger) | 0.74% |
| Net charge-offs | 0.05% (stronger) | 0.33% |
| Return on assets | 0.56% | 1.66% (stronger) |
| Loans ÷ deposits | 53.8% (stronger) | 57.3% |
| Uninsured deposits | 14.5% | 3.0% (stronger) |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.7% | — |
G.A.P. Federal Credit Union has the higher TellerScore (87 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank and Trust of PA leads on 4 and G.A.P. Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.