Side-by-side · Q2 2026 data
Ussco Johnstown Federal Credit Union vs Arize Federal Credit Union
Credit union
Ussco Johnstown Federal Credit Union
Johnstown, Pennsylvania · $100 million – $1 billion
Credit union
Arize Federal Credit Union
State College, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Ussco Johnstown Federal Credit Union | Arize Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 40 |
| Capital cushion | 75 (stronger) | 28 |
| Loan quality | 88 (stronger) | 29 |
| Earnings | 46 (stronger) | 28 |
| Funding & liquidity | 100 (stronger) | 86 |
| Problem-loan coverage | 97 (stronger) | 62 |
| Peer percentile | 74th | 1st |
| Total assets | $173.7M | $175.9M |
| Deposits / shares | $157.3M | $162.6M |
| Capital ratio | 12.48% (stronger) | 7.82% |
| Problem loans | 0.37% (stronger) | 2.12% |
| Net charge-offs | 0.36% (stronger) | 0.50% |
| Return on assets | 0.64% (stronger) | 0.19% |
| Loans ÷ deposits | 51.3% (stronger) | 74.3% |
| Uninsured deposits | 2.8% (stronger) | 4.4% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.9% | — |
Ussco Johnstown Federal Credit Union has the higher TellerScore (78 vs 40). On the 7 directional measures above (where higher or lower is clearly better), Ussco Johnstown Federal Credit Union leads on 7 and Arize Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.