Side-by-side · Q2 2026 data
Franklin Johnstown Federal Credit Union vs C-B-W Schools Federal Credit Union
Credit union
Franklin Johnstown Federal Credit Union
Johnstown, Pennsylvania · Under $100 million in assets
Credit union
C-B-W Schools Federal Credit Union
Sidman, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Franklin Johnstown Federal Credit Union | C-B-W Schools Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 91 (stronger) |
| Capital cushion | 87 | 100 (stronger) |
| Loan quality | 86 | 89 (stronger) |
| Earnings | 32 | 69 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 62nd | 96th |
| Total assets | $37.3M | $131.8M |
| Deposits / shares | $32.8M | $96.1M |
| Capital ratio | 13.71% | 29.78% (stronger) |
| Problem loans | 0.42% | 0.33% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.00% |
| Return on assets | 0.30% | 1.23% (stronger) |
| Loans ÷ deposits | 34.4% | 28.6% (stronger) |
| Uninsured deposits | 0.9% (stronger) | 8.4% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
C-B-W Schools Federal Credit Union has the higher TellerScore (91 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Franklin Johnstown Federal Credit Union leads on 2 and C-B-W Schools Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.