Side-by-side · Q2 2026 data
Ussco Johnstown Federal Credit Union vs A.B. Federal Credit Union
Credit union
Ussco Johnstown Federal Credit Union
Johnstown, Pennsylvania · $100 million – $1 billion
Credit union
A.B. Federal Credit Union
Duncansville, Pennsylvania · Under $100 million in assets
Metric by metric
| Measure | Ussco Johnstown Federal Credit Union | A.B. Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 91 (stronger) |
| Capital cushion | 75 | 99 (stronger) |
| Loan quality | 88 | 97 (stronger) |
| Earnings | 46 | 63 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 74th | 90th |
| Total assets | $173.7M | $10.5M |
| Deposits / shares | $157.3M | $9.0M |
| Capital ratio | 12.48% | 14.85% (stronger) |
| Problem loans | 0.37% | 0.08% (stronger) |
| Net charge-offs | 0.36% (stronger) | 0.77% |
| Return on assets | 0.64% | 1.06% (stronger) |
| Loans ÷ deposits | 51.3% (stronger) | 59.2% |
| Uninsured deposits | 2.8% | 0.0% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.9% | — |
A.B. Federal Credit Union has the higher TellerScore (91 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Ussco Johnstown Federal Credit Union leads on 2 and A.B. Federal Credit Union on 5. 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.