Credit union · NCUA insured
G.A.P. Federal Credit Union
A $78.6M credit union headquartered in Johnstown, PA, with 6,429 members and 6 branches in Pennsylvania. Best rates: CDs 2.75% and savings 0.70% APY.
G.A.P. Federal Credit Union Carrot Score
80
Carrot Score
Higher than 51% of U.S. banks and credit unions
#5 of 17 in Johnstown, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About G.A.P. Federal Credit Union
- Headquarters
- 111 Franklin St Rm 224, Johnstown, PA 15901
- NCUA charter
- 2405
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of G.A.P. FCU are eligible for membership.
Military, government and schools
- Federal retirees who live in Johnstown, PA, Cambria County, or Somerset Counties, PA are eligible for membership.
- Military personnel stationed at Altoona, PA are eligible for membership.
Family and household
- Immediate family members of employees of G.A.P. FCU are eligible for membership.
- Household members are defined as people living in the same residence as a single economic unit.
- Immediate family members are defined as spouse, child, sibling, parent, grandparent or grandchild, including stepparents, stepchildren, step siblings and adoptions.
1 more way to join
Family and household
- Spouses of persons who died while within the field of membership of G.A.P. Federal Credit Union are eligible for membership.
Branches
6 branches in Pennsylvania
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Pennsylvania
6 branches
Johnstown area · 4
- DowntownMain office111 Franklin St Rm 224, Johnstown, PA 15901Directions
- Bird Cage Branch1342 William Penn Ave, Johnstown, PA 15906Directions
- Richland194 Donald Ln Ste 3, Johnstown, PA 15904Directions
- Forest Hills High School535 Locust Street, Sidman, PA 15955Directions
Altoona area · 1
- Altoona VA Hospital2907 Pleasant Valley Blvd Rm 9, Altoona, PA 16602Directions
Pittsburgh area · 1
- New Stanton111 S Center Ave Ste 2, New Stanton, PA 15672Directions
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 | 13.74% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.74% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.69% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $57 | $59 | — |
- CapitalNet worth ratio13.74%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.74%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.69%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$57Peers’ 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 G.A.P. 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.