G.A.P.
Johnstown, PA · Charter 2405 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 6 branches
Q2 2026
$79.0MAssets
$38.9MLoans
$67.8MShares
$10.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 90% of credit unions under $1B in assets in PA (rank 7 of 72).
- Widest gap: nonperforming loans / loans trails 60% of credit unions under $1B in assets in PA (rank 44 of 72).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.66%
Rank 9 of 72
Net Interest Margin
4.27%
Rank 9 of 72
Efficiency Ratio
64.16%
Rank 18 of 72
Equity / Assets
13.74%
Rank 29 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.66% | 0.59% | 1.06% | 1.40% | Beats 88% | 9 / 72 | |
| Return on Equity | 12.05% | 5.27% | 7.11% | 9.91% | Beats 90% | 7 / 72 | |
| Net Interest Margin | 4.27% | 3.09% | 3.57% | 4.10% | Beats 88% | 9 / 72 | |
| Efficiency Ratio | 64.16% | 64.37% | 73.67% | 81.63% | Beats 76% | 18 / 72 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.74% | 0.20% | 0.58% | 1.09% | Beats 40% | 44 / 72 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.74% | 10.74% | 12.96% | 16.84% | Beats 60% | 29 / 72 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.74% | 10.74% | 12.96% | 16.84% | Beats 60% | 29 / 72 | |
| Liquidity & Funding |
| Loans / Deposits | 57.32% | 34.39% | 52.54% | 65.98% | 61st pctl | 28 / 72 | |
| Loans / Assets | 49.21% | 30.23% | 45.37% | 57.67% | 58th pctl | 30 / 72 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |