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
- DELQ 82/100
- ROA 13.4%
- ASSETS 0.14%
- MEM 0.79%
- RANK $36.5M
- PHOTO 4,003
- BOOK #2,419/4,374
- CHARTER St. Anthony of Padua
- NCUSIF 6723
Call Report peers
Franklin Johnstown in the assets neighbourhood
Franklin Johnstown's $36.5M assets sit next to St. Anthony of Padua ($36.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
Franklin Johnstown - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #6723. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Franklin Johnstown Call Report trajectory
Franklin Johnstown: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.8% from $36.5M (2025Q4) to $37.9M (2026Q1).
- Net-worth ratio shifted -0.47 pp (13.87% → 13.40%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 82.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for Franklin Johnstown, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($36.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (82/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Franklin Johnstown financially healthy?
Franklin Johnstown scores 82/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,419 of 4,374; by total assets it ranks #2,687 of 4,374 nationally (same basis as /rankings/largest); and #141 of 275 within Pennsylvania. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 13.40% net worth ratio and a 0.14% delinquency rate.
How does Franklin Johnstown compare to other credit unions?
82/100 is Franklin Johnstown's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Franklin Johnstown are 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."
What rates does Franklin Johnstown offer compared to banks?
Credit unions like Franklin Johnstown are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Franklin Johnstown directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.