G.A.P.

JOHNSTOWN, PA · 1 · Charter #2405 · www.gapfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$76.2M
27th percentile
Members
6,503
40th percentile
Total loans
$38.0M
24th percentile
Total shares
$65.8M
29th percentile

Profitability

Return on assets
1.17%
59th percentile
Net interest margin
3.45%
39th percentile
Efficiency ratio
61.57%
54th percentile
Non-interest income ratio
14.18%
35th percentile

Capital & Risk

Net worth ratio
13.38%
63th percentile
Delinquency rate
1.58%
16th percentile
Net charge-off rate
0.16%
73th percentile
Loan-to-share
57.75%
32th percentile

Growth

Member growth YoY
0.05%
59th percentile
Asset growth YoY
5.97%
68th percentile
Loan growth YoY
6.08%
75th percentile
Share growth YoY
5.56%
68th percentile

Operations

Members / branch
1,084
3th percentile
Assets / member
$11,720
26th percentile
Field of membership penetration
64.39%
94th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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