Overview / Commentary
G.A.P. Federal Credit Union is headquartered in Johnstown and is the 99th largest credit union in the state of Pennsylvania. It is also the 2,087th largest credit union in the nation. It was established in 1937 and as of March of 2025, it had grown to 14 employees and 6,450 members at 6 locations. G.A.P. Federal Credit Union has an A health rating.
Field of Membership Restrictions
Must be an employee of the United States Government including all branches of the military who live or work in Johnstown, PA or in Cambria or Somerset County, PA. Also open to employees of other select companies.
See current membership details
Health
A
Data as of Q1 2025
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. G.A.P. Federal Credit Union has a relatively low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 2405 |
| Year Chartered | 1937 |
| Employees | 14 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.68% |
| Return on Equity - YTD | 12.77% |
| Annual Interest Income | $828K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $75MM$71MM |
| Loans | Q1 2025vs Q1 2024 | $36.1MM$32.5MM |
| Deposits | Q1 2025vs Q1 2024 | $65.1MM$62.3MM |
| Equity Capital | Q1 2025vs Q1 2024 | $9.7MM$8.5MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $414K$398K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $375K$101K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |