Johnstown, Pennsylvania · Peer group 4
G.A.P. Credit Union
G.A.P. Credit Union holds $78.6M in assets across 6,429 members as of Q1 2026 — about $12K of assets per member, on a charter dating to 1937. Charter number 2405, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $78.6M |
|---|---|
| Total loans | $37.2M |
| Total shares (deposits) | $67.9M |
| Net worth | $10.5M |
| Members | 6,429 |
| Assets per member | $12K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 4.8% | |
|---|---|---|
| Loans | 3.2% | around the 71st percentile of its peer group |
| Deposits | 4.3% | around the 69th percentile of its peer group |
| Members | -0.3% | around the 64th 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 | 54.9% | around the 40th percentile of its peer group |
|---|---|---|
| Net worth ratio | 13.3% | around the 55th percentile of its peer group |
| Return on assets | 1.29% | around the 78th percentile of its peer group |
| Delinquency ratio | 0.86% | around the 66th percentile of its peer group |
| Cash / assets | 8.9% | around the 38th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is G.A.P. 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.
- Blair County Credit Union
ALTOONA, PA
$77.2M · 4,461 members
- Armstrong Associates Credit Union
Ford City, PA
$80.8M · 8,062 members
- Washington Area Teachers Credit Union
Washington, PA
$81.2M · 3,341 members
- Pittsburgh Firefighters' Credit Union
pittsburgh, PA
$81.6M · 4,496 members
- Greater Pittsburgh Credit Union
Pittsburgh, PA
$74.8M · 10,455 members
- Bethlehem 1st Credit Union
Bethlehem, PA
$73.2M · 4,250 members
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