Side-by-side · Q2 2026 data
Ussco Johnstown Federal Credit Union vs Mountain Laurel Federal Credit Union
Credit union
Ussco Johnstown Federal Credit Union
Johnstown, Pennsylvania · $100 million – $1 billion
Credit union
Mountain Laurel Federal Credit Union
Saint Marys, Pennsylvania · $100 million – $1 billion
Metric by metric
| Measure | Ussco Johnstown Federal Credit Union | Mountain Laurel Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 99 (stronger) |
| Capital cushion | 75 | 100 (stronger) |
| Loan quality | 88 | 97 (stronger) |
| Earnings | 46 | 100 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 74th | 100th |
| Total assets | $173.7M | $174.2M |
| Deposits / shares | $157.3M | $139.3M |
| Capital ratio | 12.48% | 19.68% (stronger) |
| Problem loans | 0.37% | 0.08% (stronger) |
| Net charge-offs | 0.36% | 0.08% (stronger) |
| Return on assets | 0.64% | 2.21% (stronger) |
| Loans ÷ deposits | 51.3% (stronger) | 60.1% |
| Uninsured deposits | 2.8% | 1.0% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.9% | — |
Mountain Laurel Federal Credit Union has the higher TellerScore (99 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Ussco Johnstown Federal Credit Union leads on 1 and Mountain Laurel Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.