FRANKLIN JOHNSTOWN
Charter #6723 · JOHNSTOWN, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,958 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.12% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 0.13% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.03% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 93.77% sits at the 89th 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 | FRANKLIN JOHNSTOWN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $37.86M | 78th pct | 51th pct |
| Members | 3,958 | 90th pct | 75th pct |
| Net worth ratio | 13.40% | 48th pct | 46th pct |
| Return on average assets | 0.12% | 23th pct | 16th pct |
| Net interest margin | 3.30% | 26th pct | 30th pct |
| Cost of funds | 0.13% | 9th pct | 8th pct |
| Loan-to-share | 33.10% | 13th pct | 36th pct |
| Delinquency 60+ days | 0.24% | 32th pct | 26th pct |
| Net charge-off ratio | -0.03% | 16th pct | 10th pct |
| Loan growth YoY | -5.23% | 28th pct | 41th pct |
| Share growth YoY | 3.74% | 63th pct | 66th pct |
| Efficiency ratio | 93.77% | 80th pct | 89th pct |
structural peer set hash: a34312ecf80884073336375bb8d73fbd… (reproducible)
Closest structural peers
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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.