Side-by-side · Q2 2026 data
G.A.P. Federal Credit Union vs Ussco Johnstown Federal Credit Union
Credit union
G.A.P. Federal Credit Union
Johnstown, Pennsylvania · Under $100 million in assets
Credit union
Ussco Johnstown Federal Credit Union
Johnstown, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | G.A.P. Federal Credit Union | Ussco Johnstown Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 78 |
| Capital cushion | 87 (stronger) | 75 |
| Loan quality | 75 | 88 (stronger) |
| Earnings | 86 (stronger) | 46 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 83rd | 74th |
| Total assets | $79.0M | $173.7M |
| Deposits / shares | $67.8M | $157.3M |
| Capital ratio | 13.74% (stronger) | 12.48% |
| Problem loans | 0.74% | 0.37% (stronger) |
| Net charge-offs | 0.33% (stronger) | 0.36% |
| Return on assets | 1.66% (stronger) | 0.64% |
| Loans ÷ deposits | 57.3% | 51.3% (stronger) |
| Uninsured deposits | 3.0% | 2.8% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.9% |
G.A.P. Federal Credit Union has the higher TellerScore (87 vs 78). On the 7 directional measures above (where higher or lower is clearly better), G.A.P. Federal Credit Union 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.