Side-by-side · Q2 2026 data
Investment Savings Bank vs G.A.P. Federal Credit Union
Credit union
G.A.P. Federal Credit Union
Johnstown, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Investment Savings Bank | G.A.P. Federal Credit Union |
|---|---|---|
| TellerScore | 86 | 87 (stronger) |
| Capital cushion | 100 (stronger) | 87 |
| Loan quality | 96 (stronger) | 75 |
| Earnings | 36 | 86 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 90th | 83rd |
| Total assets | $105.2M | $79.0M |
| Deposits / shares | $75.5M | $67.8M |
| Capital ratio | 21.72% (stronger) | 13.74% |
| Problem loans | 0.13% (stronger) | 0.74% |
| Net charge-offs | 0.05% (stronger) | 0.33% |
| Return on assets | 0.41% | 1.66% (stronger) |
| Loans ÷ deposits | 58.6% | 57.3% (stronger) |
| Uninsured deposits | 4.4% | 3.0% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.6% | — |
G.A.P. Federal Credit Union has the higher TellerScore (87 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Investment Savings Bank leads on 3 and G.A.P. Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.