G.A.P.
Charter #2405 · JOHNSTOWN, PA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.31% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.42% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.55% sits at the 80th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | G.A.P. | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $78.63M | 65th pct | 62th pct |
| Members | 6,429 | 72th pct | 64th pct |
| Net worth ratio | 13.29% | 55th pct | 54th pct |
| Return on average assets | 1.31% | 78th pct | 79th pct |
| Net interest margin | 4.09% | 71th pct | 70th pct |
| Cost of funds | 0.42% | 19th pct | 21th pct |
| Loan-to-share | 54.86% | 40th pct | 52th pct |
| Delinquency 60+ days | 0.86% | 66th pct | 69th pct |
| Net charge-off ratio | 0.55% | 74th pct | 80th pct |
| Loan growth YoY | -4.21% | 24th pct | 25th pct |
| Share growth YoY | 5.57% | 78th pct | 80th pct |
| Efficiency ratio | 69.68% | 26th pct | 26th pct |
structural peer set hash: db247df428a63b289d1859eb6bc88b13… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.