Credit union · NCUA insured
Galaxy Federal Credit Union
A $73.1M credit union headquartered in Franklin, PA, with 4,551 members and 1 branch in Pennsylvania. Best rates: CDs 4.19% and savings 0.20% APY.
Galaxy Federal Credit Union Carrot Score
73
Carrot Score
Higher than 33% of U.S. banks and credit unions
#5 of 9 in Oil City, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Galaxy Federal Credit Union
Galaxy Federal Credit Union is a member-owned financial institution headquartered in Franklin, Pennsylvania.
It serves individuals who live, work, worship, attend school, or volunteer in Venango County, Pennsylvania.
- Headquarters
- 1313 Liberty St, Franklin, PA 16323
- NCUA charter
- 4116
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, attends school, or volunteers in Venango County.
Family and household
- Membership is open to immediate family members of individuals eligible through Venango County.
Branches
1 branch in Pennsylvania
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Pennsylvania
1 branch
- Branch OfficeMain office1313 Liberty St, Franklin, PA 16323Directions
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 | 17.27% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.27% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.48% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $53 | $59 | — |
- CapitalNet worth ratio17.27%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.27%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.48%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$53Peers’ 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 Galaxy 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.