Side-by-side · Q2 2026 data
Johnstown School Employees Federal Credit Union vs Northwood Federal Credit Union
Credit union
Johnstown School Employees Federal Credit Union
Johnstown, Pennsylvania · Under $100 million in assets
Credit union
Northwood Federal Credit Union
Philadelphia, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Johnstown School Employees Federal Credit Union | Northwood Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 75 |
| Capital cushion | 100 | 100 |
| Loan quality | 65 | 79 (stronger) |
| Earnings | 33 (stronger) | 0 |
| Funding & liquidity | 82 | 100 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 52nd | 52nd |
| Total assets | $6.2M | $6.6M |
| Deposits / shares | $4.6M | $5.2M |
| Capital ratio | 26.08% (stronger) | 19.72% |
| Problem loans | 1.04% | 0.63% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.32% (stronger) | -0.55% |
| Loans ÷ deposits | 78.7% | 42.2% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 3.6% |
| Offices | 0 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 5 directional measures above (where higher or lower is clearly better), Johnstown School Employees Federal Credit Union leads on 3 and Northwood Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.