Side-by-side · Q2 2026 data
Ussco Johnstown Federal Credit Union vs Merho Federal Credit Union
Credit union
Ussco Johnstown Federal Credit Union
Johnstown, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Ussco Johnstown Federal Credit Union | Merho Federal Credit Union |
|---|---|---|
| TellerScore | 78 (stronger) | 74 |
| Capital cushion | 75 (stronger) | 63 |
| Loan quality | 88 (stronger) | 66 |
| Earnings | 46 | 68 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 74th | 49th |
| Total assets | $173.7M | $60.8M |
| Deposits / shares | $157.3M | $54.5M |
| Capital ratio | 12.48% (stronger) | 11.34% |
| Problem loans | 0.37% (stronger) | 1.02% |
| Net charge-offs | 0.36% | 0.18% (stronger) |
| Return on assets | 0.64% | 1.21% (stronger) |
| Loans ÷ deposits | 51.3% | 28.5% (stronger) |
| Uninsured deposits | 2.8% (stronger) | 4.0% |
| Offices | 4 | 2 |
| 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 74). On the 7 directional measures above (where higher or lower is clearly better), Ussco Johnstown Federal Credit Union leads on 4 and Merho Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.