Federal credit union · JOHNSTOWN, Pennsylvania · NCUA charter #6723
Franklin Johnstown
Health score 82/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 82
- Health / 100
- $36.5M
- Total assets
- 4,003
- Members
- 13.4%
- Net-worth ratio
Franklin Johnstown scores 82/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $36.5M; members 4,003; net-worth ratio 13.40%; health rank #2,419 of 4,374; healthier than 43rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,419 of 4,374 health · 2025Q4Franklin Johnstown · health 82/100 · $36.5M · 2025Q4
Call Report peers
Franklin Johnstown in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Franklin Johnstown vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Franklin Johnstown sits in 80-84 with 767 others.
82 43rd percentile higher than 43% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where Franklin Johnstown diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Delinquency Rate: -1.01 pp (0.14% vs 1.15%).
- Widest shortfall vs peers is Loan-to-Share Ratio: -24.26 pp (35.54% vs 59.80%).
Where Franklin Johnstown sits in Pennsylvania
- Pennsylvania health ordinal: #121 of 275.
- Assets rank #141 of 275 inside Pennsylvania ($36.5M reported).
- Member book place in Pennsylvania: #120 of 275.
- One place up in Pennsylvania, Utilities Employees (#120) ties at 82/100; one place down, G.A.P. (#122) ties at 82/100.
Franklin Johnstown Call Report trajectory
Franklin Johnstown: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.8% from $36.5M (2025Q4) to $37.9M (2026Q1).
- Net-worth ratio shifted -0.47 pp (13.87% → 13.40%).
This credit union's 13.40% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 82/100 score is built
Franklin Johnstown gives up 18 points in total. Member Growth costs the most, 12.5 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.5 pts
- Loan-to-Share Ratio 9.5 pts
Call Report ratios for Franklin Johnstown
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.40% | -1.46 pp |
| Delinquency Rate | 0.14% | -1.01 pp |
| Return on Assets | 0.79% | +0.08 pp |
| Member Growth | -3.59% | - |
| Loan-to-Share Ratio | 35.54% | -24.26 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $37.9M | - |
| 2025Q4 | $36.5M | 4,003 |
| 2024Q4 | $36.4M | 4,152 |
| 2023Q4 | $36.2M | 4,249 |
Credit Union Details
- Charter Number
- 6723
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- JOHNSTOWN
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Franklin Johnstown runs 2 offices.
| Office | City |
|---|---|
| Richland Office (Main Office) | Johnstown, PA |
| Downtown Office | Johnstown, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- Franklin Johnstown ranks #2,419 of 4,374 nationally on financial health and #121 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Central Susquehanna Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Central Susquehanna Community
Frequently Asked Questions
Is Franklin Johnstown financially healthy?
On its 2025Q4 NCUA 5300 filing, Franklin Johnstown scores 82/100 (Excellent), with a 13.40% net worth ratio and 0.14% of loans delinquent. It ranks #2,419 of 4,374 nationally on health and #121 of 275 in Pennsylvania.
How does Franklin Johnstown compare to other credit unions?
Franklin Johnstown scores 82/100, higher than 43% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.14% vs 1.15%). Its widest shortfall is loan-to-share ratio (35.54% vs 59.80%).
How can I join Franklin Johnstown?
Franklin Johnstown operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Franklin Johnstown directly for the exact boundaries and application steps.
Is my money safe at Franklin Johnstown?
Franklin Johnstown is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Franklin Johnstown's net worth ratio of 13.40% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.