Side-by-side · Q2 2026 data
Somerset Trust Company 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 | Somerset Trust Company | G.A.P. Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 87 (stronger) |
| Capital cushion | 41 | 87 (stronger) |
| Loan quality | 50 | 75 (stronger) |
| Earnings | 66 | 86 (stronger) |
| Funding & liquidity | 62 | 100 (stronger) |
| Problem-loan coverage | 78 | 95 (stronger) |
| Peer percentile | 13th | 83rd |
| Total assets | $2.5B | $79.0M |
| Deposits / shares | $2.0B | $67.8M |
| Capital ratio | 9.10% | 13.74% (stronger) |
| Problem loans | 1.49% | 0.74% (stronger) |
| Net charge-offs | 0.12% (stronger) | 0.33% |
| Return on assets | 1.16% | 1.66% (stronger) |
| Loans ÷ deposits | 80.2% | 57.3% (stronger) |
| Uninsured deposits | 31.2% | 3.0% (stronger) |
| Offices | 49 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.6% | — |
G.A.P. Federal Credit Union has the higher TellerScore (87 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Somerset Trust Company leads on 1 and G.A.P. Federal Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.