G.A.P. Credit Union Profile

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G.A.P.

Charter #2405 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (814) 535-4165

Fax: (814) 535-2175

Founding Date: N/A

Website: http://www.gapfcu.org

Personnel & Operations

President: Hudak, Wendy

Manager: Lopez, Diane

FT Employees: 15

PT Employees: 4

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 36

Branches: 6

Hours: M-F 8:00 TO 4:30 EXCEPT CLSES AT 3:30 ON TU

Credit Union Profile Summary

G.A.P. is a FCU Credit Union. With a total of 6,484 members [1], this institution manages approximately $74,564,056 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 13.52% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 10.86% [1].

Financial Snapshot

Total Assets [1]
$74,564,056

Total economic resources.

Total Loans [1]
$38,117,381

Total value of outstanding loans.

Total Deposits [1]
$64,217,940

Total funds deposited by members.

Members [1]
6,484

Number of active members.

Performance Ratios

Net Worth Ratio [1]
13.52%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.88%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
59.36%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 5.09%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 10.86%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 1.87%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

111 FRANKLIN ST RM 224

JOHNSTOWN, PA, 15901
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 5 branches reported by G.A.P. (Charter #2405).

Main Office

Downtown Main Office

Type: Corporate Office

111 Franklin St Rm 224

Johnstown, PA 15901

Phone: (814) 535-4165

Services: Member Services

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Additional Branches

Altoona

Altoona VA Hospital

Type: Branch Office

2907 Pleasant Valley Blvd Rm 9

Altoona, PA 16602

Phone: (814) 946-0726

Services: Member Services, ATM

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Johnstown

Bird Cage Branch

Type: Branch Office

1342 William Penn Ave

Johnstown, PA 15906

Phone: (814) 535-5523

Services: Member Services

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Richland

Type: Branch Office

194 Donald Ln Ste 3

Johnstown, PA 15904-2840

Phone: (814) 266-8446

Services: Member Services, Drive-Thru

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New Stanton

New Stanton

Type: Branch Office

111 S Center Ave Ste 2

New Stanton, PA 15672-9807

Phone: (724) 925-1324

Services: Member Services

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