Side-by-side · Q2 2026 data
First Commonwealth 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 | First Commonwealth Bank | Franklin Johnstown Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 79 (stronger) |
| Capital cushion | 52 | 87 (stronger) |
| Loan quality | 70 | 86 (stronger) |
| Earnings | 76 (stronger) | 32 |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 89 | 98 (stronger) |
| Peer percentile | 54th | 62nd |
| Total assets | $12.2B | $37.3M |
| Deposits / shares | $10.3B | $32.8M |
| Capital ratio | 10.17% | 13.71% (stronger) |
| Problem loans | 0.89% | 0.42% (stronger) |
| Net charge-offs | 0.41% | -0.03% (stronger) |
| Return on assets | 1.40% (stronger) | 0.30% |
| Loans ÷ deposits | 90.8% | 34.4% (stronger) |
| Uninsured deposits | 27.5% | 0.9% (stronger) |
| Offices | 126 | 2 |
| CFPB complaints (3 yrs) | 106 | — |
| Complaints per $1B deposits | 10.3 | — |
| Mortgage denial rate (HMDA) | 26.5% | — |
Franklin Johnstown Federal Credit Union has the higher TellerScore (79 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First Commonwealth 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.