Side-by-side · Q2 2026 data
Johnstown School Employees Federal Credit Union vs Valley Pride Federal Credit Union
Credit union
Johnstown School Employees Federal Credit Union
Johnstown, Pennsylvania · Under $100 million in assets
Credit union
Valley Pride Federal Credit Union
Kingston, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Johnstown School Employees Federal Credit Union | Valley Pride Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 64 |
| Capital cushion | 100 | 100 |
| Loan quality | 65 (stronger) | 0 |
| Earnings | 33 | 53 (stronger) |
| Funding & liquidity | 82 | 100 (stronger) |
| Problem-loan coverage | 95 (stronger) | 87 |
| Peer percentile | 52nd | 28th |
| Total assets | $6.2M | $6.3M |
| Deposits / shares | $4.6M | $5.2M |
| Capital ratio | 26.08% (stronger) | 17.52% |
| Problem loans | 1.04% (stronger) | 4.23% |
| Net charge-offs | 0.00% (stronger) | 0.84% |
| Return on assets | 0.32% | 0.82% (stronger) |
| Loans ÷ deposits | 78.7% | 33.0% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Johnstown School Employees Federal Credit Union has the higher TellerScore (75 vs 64). On the 6 directional measures above (where higher or lower is clearly better), Johnstown School Employees Federal Credit Union leads on 4 and Valley Pride Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.