Side-by-side · Q2 2026 data
G.A.P. Federal Credit Union vs C-B-W Schools Federal Credit Union
Credit union
G.A.P. 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 | G.A.P. Federal Credit Union | C-B-W Schools Federal Credit Union |
|---|---|---|
| TellerScore | 87 | 91 (stronger) |
| Capital cushion | 87 | 100 (stronger) |
| Loan quality | 75 | 89 (stronger) |
| Earnings | 86 (stronger) | 69 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 83rd | 96th |
| Total assets | $79.0M | $131.8M |
| Deposits / shares | $67.8M | $96.1M |
| Capital ratio | 13.74% | 29.78% (stronger) |
| Problem loans | 0.74% | 0.33% (stronger) |
| Net charge-offs | 0.33% | 0.00% (stronger) |
| Return on assets | 1.66% (stronger) | 1.23% |
| Loans ÷ deposits | 57.3% | 28.6% (stronger) |
| Uninsured deposits | 3.0% (stronger) | 8.4% |
| Offices | 5 | 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 87). On the 7 directional measures above (where higher or lower is clearly better), G.A.P. 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.
Where both have branches
- Johnstown, PA
- Sidman, PA