Side-by-side · Q2 2026 data
G.A.P. Federal Credit Union vs Merho Federal Credit Union
Credit union
G.A.P. Federal Credit Union
Johnstown, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | G.A.P. Federal Credit Union | Merho Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 74 |
| Capital cushion | 87 (stronger) | 63 |
| Loan quality | 75 (stronger) | 66 |
| Earnings | 86 (stronger) | 68 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 83rd | 49th |
| Total assets | $79.0M | $60.8M |
| Deposits / shares | $67.8M | $54.5M |
| Capital ratio | 13.74% (stronger) | 11.34% |
| Problem loans | 0.74% (stronger) | 1.02% |
| Net charge-offs | 0.33% | 0.18% (stronger) |
| Return on assets | 1.66% (stronger) | 1.21% |
| Loans ÷ deposits | 57.3% | 28.5% (stronger) |
| Uninsured deposits | 3.0% (stronger) | 4.0% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
G.A.P. Federal Credit Union has the higher TellerScore (87 vs 74). On the 7 directional measures above (where higher or lower is clearly better), G.A.P. Federal Credit Union leads on 5 and Merho Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.