G.A.P. Federal Credit Union


Overview / Commentary
814-535-4165
111 Franklin St Rm 224
Johnstown, PA 15901-1876

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

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Health
Additional 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 Chartered1937
Employees14
Primary Regulator
Profit Margin
Return on Assets - YTD1.68%
Return on Equity - YTD12.77%
Annual Interest Income$828K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$75MM$71MM
LoansQ1 2025vs Q1 2024$36.1MM$32.5MM
DepositsQ1 2025vs Q1 2024$65.1MM$62.3MM
Equity CapitalQ1 2025vs Q1 2024$9.7MM$8.5MM
Loan Loss AllowanceQ1 2025vs Q1 2024$414K$398K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$375K$101K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

Rates for G.A.P. Federal Credit Union are currently being reviewed.

Locations


G.A.P. Federal Credit Union Locations
Branch Office111 Franklin St Rm 224Johnstown, PA 15901
Branch Office194 Donald Ln Ste 3Johnstown, PA 15904-2840
Branch Office1342 William Penn AveJohnstown, PA 15906
Branch Office2907 Pleasant Valley Blvd Rm 9Altoona, PA 16602
Branch Office111 S Center Ave Ste 2New Stanton, PA 15672-9807
Branch Office535 Locust StreetSidman, PA 15955

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