Side-by-side · Q2 2026 data
Hometown Bank of Pennsylvania vs Ussco Johnstown Federal Credit Union
Credit union
Ussco Johnstown Federal Credit Union
Johnstown, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Hometown Bank of Pennsylvania | Ussco Johnstown Federal Credit Union |
|---|---|---|
| TellerScore | 59 | 78 (stronger) |
| Capital cushion | 33 | 75 (stronger) |
| Loan quality | 64 | 88 (stronger) |
| Earnings | 74 (stronger) | 46 |
| Funding & liquidity | 69 | 100 (stronger) |
| Problem-loan coverage | 81 | 97 (stronger) |
| Peer percentile | 17th | 74th |
| Total assets | $453.9M | $173.7M |
| Deposits / shares | $415.1M | $157.3M |
| Capital ratio | 8.33% | 12.48% (stronger) |
| Problem loans | 1.07% | 0.37% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.36% |
| Return on assets | 1.35% (stronger) | 0.64% |
| Loans ÷ deposits | 85.3% | 51.3% (stronger) |
| Uninsured deposits | 20.0% | 2.8% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.9% |
Ussco Johnstown Federal Credit Union has the higher TellerScore (78 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Hometown Bank of Pennsylvania leads on 2 and Ussco Johnstown Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.