Side-by-side · Q2 2026 data
Commercial Bank and Trust of PA vs Ussco Johnstown Federal Credit Union
Credit union
Ussco Johnstown Federal Credit Union
Johnstown, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Commercial Bank and Trust of PA | Ussco Johnstown Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 78 |
| Capital cushion | 97 (stronger) | 75 |
| Loan quality | 95 (stronger) | 88 |
| Earnings | 42 | 46 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 90th | 74th |
| Total assets | $357.5M | $173.7M |
| Deposits / shares | $307.7M | $157.3M |
| Capital ratio | 14.74% (stronger) | 12.48% |
| Problem loans | 0.14% (stronger) | 0.37% |
| Net charge-offs | 0.05% (stronger) | 0.36% |
| Return on assets | 0.56% | 0.64% (stronger) |
| Loans ÷ deposits | 53.8% | 51.3% (stronger) |
| Uninsured deposits | 14.5% | 2.8% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.7% | 22.9% |
Commercial Bank and Trust of PA has the higher TellerScore (86 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank and Trust of PA leads on 4 and Ussco Johnstown Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.