Federal credit union · Franklin, Pennsylvania · NCUA charter #4116
GALAXY
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $70.5M
- Total assets
- 4,550
- Members
- 17.2%
- Net-worth ratio
GALAXY scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $70.5M; members 4,550; net-worth ratio 17.15%; health rank #1,905 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,905 of 4,374 health · 2025Q4GALAXY · health 85/100 · $70.5M · 2025Q4
Call Report peers
GALAXY in the assets neighbourhood
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GALAXY vs every NCUA-scored credit union
GALAXY sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
GALAXY vs $50M–$100M peers
- Largest favorable gap: Net Worth Ratio at 17.15% vs peer 13.62% (+3.53 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -8.76 pp (53.84% vs 62.60%).
Where GALAXY sits in Pennsylvania
- In Pennsylvania, health place is #92 of 275 on the same NCUA-ratio sort used nationally.
- Assets rank #101 of 275 inside Pennsylvania ($70.5M reported).
- Membership ranks #108 of 275 among Pennsylvania CUs with a reported count (4,550 members).
- One place up in Pennsylvania, Central Keystone (#91) ties at 85/100; one place down, Susquehanna Valley (#93) ties at 85/100.
GALAXY Call Report trajectory
GALAXY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.6% from $70.5M (2025Q4) to $73.1M (2026Q1).
- Net-worth ratio shifted -0.39 pp (17.54% → 17.15%).
At 17.15%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
GALAXY gives up 15 points in total. Member Growth costs the most, 9.3 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.2 pts
- Return on Assets 15.0 pts
- Member Growth 5.7 pts
- Loan-to-Share Ratio 11.1 pts
Call Report ratios for GALAXY
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.15% | +3.53 pp |
| Delinquency Rate | 0.68% | -0.29 pp |
| Return on Assets | 0.64% | -0.02 pp |
| Member Growth | -1.81% | - |
| Loan-to-Share Ratio | 53.84% | -8.76 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
GALAXY quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $73.1M | - |
| 2025Q4 | $70.5M | 4,550 |
| 2024Q4 | $65.9M | 4,634 |
| 2023Q4 | $59.4M | 4,659 |
Credit Union Details
- Charter Number
- 4116
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Pennsylvania
- City
- Franklin
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for GALAXY.
| Office | City |
|---|---|
| Branch Office (Main Office) | Franklin, 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.
GALAXY nationwide neighbourhoods
Using this data
- GALAXY ranks #1,905 of 4,374 nationally on financial health and #92 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Greater Pittsburgh is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Greater Pittsburgh
Frequently Asked Questions
Is GALAXY financially healthy?
GALAXY has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,905 of 4,374 nationally on health and #92 of 275 in Pennsylvania. Its net worth ratio is 17.15% and its delinquency rate 0.68%.
How does GALAXY compare to other credit unions?
GALAXY scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (17.15% vs 13.62%). Its widest shortfall is loan-to-share ratio (53.84% vs 62.60%).
How can I join GALAXY?
GALAXY 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 GALAXY directly for the exact boundaries and application steps.
Is my money safe at GALAXY?
GALAXY 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. GALAXY's net worth ratio of 17.15% 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.