Side-by-side · Q2 2026 data
InFirst Bank vs Ussco Johnstown Federal Credit Union
Credit union
Ussco Johnstown Federal Credit Union
Johnstown, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | InFirst Bank | Ussco Johnstown Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 78 (stronger) |
| Capital cushion | 45 | 75 (stronger) |
| Loan quality | 97 (stronger) | 88 |
| Earnings | 61 (stronger) | 46 |
| Funding & liquidity | 63 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 40th | 74th |
| Total assets | $683.2M | $173.7M |
| Deposits / shares | $612.7M | $157.3M |
| Capital ratio | 9.49% | 12.48% (stronger) |
| Problem loans | 0.10% (stronger) | 0.37% |
| Net charge-offs | -0.00% (stronger) | 0.36% |
| Return on assets | 1.02% (stronger) | 0.64% |
| Loans ÷ deposits | 97.3% | 51.3% (stronger) |
| Uninsured deposits | 14.6% | 2.8% (stronger) |
| Offices | 10 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.2% | 22.9% |
Ussco Johnstown Federal Credit Union has the higher TellerScore (78 vs 69). On the 7 directional measures above (where higher or lower is clearly better), InFirst Bank leads on 3 and Ussco Johnstown Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.