Credit union · NCUA insured
Franklin Johnstown Federal Credit Union
A $37.9M credit union headquartered in Johnstown, PA, with 3,958 members and 2 branches in Pennsylvania. Best rates: CDs 1.50% and savings 0.10% APY.
Franklin Johnstown Federal Credit Union Carrot Score
82
Carrot Score
Higher than 59% of U.S. banks and credit unions
#4 of 17 in Johnstown, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Franklin Johnstown Federal Credit Union
Franklin Johnstown Federal Credit Union is a not-for-profit, member-owned financial organization dedicated to becoming the primary financial institution for its members while maintaining stability and growth.
- Headquarters
- 310 Bloomfield St, Johnstown, PA 15904-3202
- NCUA charter
- 6723
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- You can join if you retired from one of the credit union's SEGs.
- You can join if you work in one of the credit union's Select Employee Groups [SEGs].
Family and household
- You can join if your immediate family member is a Franklin Johnstown member.
- You can join if you live in the same household as a member.
Cost to join
- A deposit of $25.00 is required to keep in your Share/Savings account.
- A deposit of $5.00 is required to keep in your savings account if you are under 21.
Branches
2 branches in Pennsylvania
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Pennsylvania
2 branches
- Richland OfficeMain office310 Bloomfield St, Johnstown, PA 15904Directions
- Downtown Office544 Vine St, Johnstown, PA 15901Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.71% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.42% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.30% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $34 | $59 | — |
- CapitalNet worth ratio13.71%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.42%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.30%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$34Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Franklin Johnstown Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.