Johnstown, Pennsylvania · Peer group 3
Franklin Johnstown Credit Union
Franklin Johnstown Credit Union holds $37.9M in assets across 3,958 members as of Q1 2026 — about $10K of assets per member, on a charter dating to 1950. Charter number 6723, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $37.9M |
|---|---|
| Total loans | $11.0M |
| Total shares (deposits) | $33.3M |
| Net worth | $5.1M |
| Members | 3,958 |
| Assets per member | $10K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 1.6% | |
|---|---|---|
| Loans | -1.7% | around the 54th percentile of its peer group |
| Deposits | 0.2% | around the 42nd percentile of its peer group |
| Members | -3.3% | around the 28th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 33.1% | around the 13th percentile of its peer group |
|---|---|---|
| Net worth ratio | 13.4% | around the 48th percentile of its peer group |
| Return on assets | 0.12% | around the 23rd percentile of its peer group |
| Delinquency ratio | 0.24% | around the 32nd percentile of its peer group |
| Cash / assets | 15.7% | around the 70th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Franklin Johnstown Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Pennsylvania — the comparison set a peer ratio is measured against.
- Central Susquehanna Community Credit Union
DANVILLE, PA
$37.7M · 1,773 members
- Norwin Teachers Credit Union
North Huntingdo, PA
$38.1M · 3,480 members
- Bucks County Employees Credit Union
Doylestown, PA
$38.8M · 1,574 members
- Hazleton School Employees Credit Union
HAZLETON, PA
$36.7M · 1,390 members
- Bva Credit Union
Belle Vernon, PA
$39.1M · 2,201 members
- Affiliated Trades Credit Union
COLLEGEVILLE, PA
$39.7M · 2,307 members
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