# G.A.P.
JOHNSTOWN, PA · NCUA charter 2405 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/g-a-p-2405

Who the members are: federal charter, multiple common bond, organized 1937, low-income designated. 6,429 members of 10,010 potential (64.2% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 63.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $78.6M |
| Members | 6,429 (-0.3% YoY) |
| Full-time staff | 16 |
| Net worth | $10.5M |
| Net worth ratio | 13.3% (p55 of band) |
| ROA (annualized) | 1.29% (p78 of band) |
| Total delinquency | 0.86% (p66 of band) |
| Net charge-offs (annualized) | 0.56% (p74 of band) |
| Loans / shares | 55% (p40 of band) |
| Cash / assets | 8.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.02% (p70 of band) |
| Operating expense / assets | 3.22% (p39 of band) |
| Vehicles % of loans | 45% (p56 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p25 of band) |
| Vehicle delinquency | 0.87% (p65 of band) |
| Vehicle NCO | 0.04% (p38 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 17% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 82% |
| Certificates % of member funds | 2% |
| Average share balance | $5,305 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 63% |
| Loans granted per 100 members, annualized | 22% |
| Average loan balance | $9,191 |
| Loans granted, annualized | $13.2M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | repo signal |  |
| 2017-03 | 0 |  | repo signal |
| 2017-06 | 2 | net worth falling, delinquency rising |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | delinquency 2x band |  |
| 2018-12 | 1 | delinquency rising | delinquency 2x band |
| 2019-03 | 2 | delinquency 2x band |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | delinquency rising |
| 2019-12 | 0 |  | delinquency 2x band |
| 2020-03 | 1 | losing money |  |
| 2020-06 | 1 | net worth falling | losing money |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 1 | margin squeeze |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 | net worth falling | margin squeeze |
| 2021-09 | 0 |  | net worth falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 0 |  | delinquency rising |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | delinquency rising |  |
| 2024-03 | 0 |  | delinquency rising |
| 2024-06 | 2 | delinquency 2x band, delinquency rising |  |
| 2024-09 | 1 |  | delinquency 2x band |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | delinquency rising |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | delinquency 2x band |  |
| 2026-03 | 1 | net worth falling | delinquency 2x band |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-06 [SUNDAY, SEPTEMBER 6, 2026 Ad - GAP Federal Credit Union - New Stanton - Tribune-Review - TribLIVE.com](https://news.google.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?oc=5) · TribLIVE.com
- 2026-09-05 [SATURDAY, SEPTEMBER 5, 2026 Ad - GAP Federal Credit Union - New Stanton - Tribune-Review - TribLIVE.com](https://news.google.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?oc=5) · TribLIVE.com
- 2026-07-25 [Montco Mom’s Surprise Ambulance Bill Reveals a Gap Pennsylvania Hasn’t Closed - MONTCO.Today](https://news.google.com/rss/articles/CBMihgFBVV95cUxPQXl3cUxvWlYweFRpaTI4dEUzOFdoUEx6VElzakxiU1doQkZZUG9fanIwUXNFdmE3Y3RWdlRKQ0g3SExnbmlZWnU0cEdaQXVCaUdPODhmMm5KTzdFd0JYQkhZZGhEOUR4dmp6UG1jQkJmdk9wQmJOcEJqWjQ3MHk3aFVEZDJTUQ?oc=5) · MONTCO.Today
- 2026-08-22 [Niall Horan Setlists 2024 - JamBase](https://news.google.com/rss/articles/CBMiZEFVX3lxTE5seHJCdkdKdk5wY1ZqR3h2cFVVM1JnQ0xxZjZEelVRSE9sUjhyT0tsaDMwdlRLaHlXOU9ZT2d4cUhDR0VNckxScFhCWVo3aGZRdld1RGlOZnJ2aHE4MHEwbWFzM3g?oc=5) · JamBase
- 2025-11-13 [Kathleen Hurden Obituary Nov 13, 2025 - Thomas L. Geisel Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTE5Jd2FHZGFFSWYzZlZJNnpTeUZjQy14M1IybnluVS14RlBPRGNtMHZ1V3EzZFZpdTIwaFZzTi0yY0hQME1YbHlHVEZNNzlORXNMN3JaQkZxSDJ5VU83MGZDZ3U5WFF4QkZMZ3laLQ?oc=5) · Thomas L. Geisel Funeral Home
- 2026-07-22 [$1.95M Banana Republic and Gap unpaid wages class action settlement - Top Class Actions](https://news.google.com/rss/articles/CBMi1wFBVV95cUxNeWM1QmtrQUtNa2VIZmRBeEVPQ25LYWdkek5yYVd2bVBRTkNPZTJISW9YaUliU0lCd1pjR19ONFBSbk9oc3poOUJxQnNBS1N5elJySVE1Y2Q1TkNzM0tMYndJaklhdnpVWHliMm1FZ2lzS2syYkNhcDBwOTc3bk5aX1J0VjBOSXJ3ZmhPc253Q0kySlNPbmZIZDVydzRvcUR4Vl9yMG5nZE4tNVVqRWREV3dMZ2ZYSUlKZDNzYUpDeFR4NUd2UEhzZ3VaMkVmZUQtOV9ieUlfbw?oc=5) · Top Class Actions
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2025-03-26 [After Renovations, Timberland Federal Credit Union Celebrates Grand Reopening in Pleasant Gap - StateCollege.com](https://news.google.com/rss/articles/CBMi1wFBVV95cUxORUJxX3RCU2xjbkhHeVdLQ2JsUUFKeDYxSjhIdG1oekpLTmxVTVYwV0JoRU1PVl9XVXY2d0txZDhSNG4yU01fY0hFY09ESjZ4Wm0xVzdLdHI3Z01rT1lBckJDZWVpNGhBX3hycjZmVXlwMEtBS0FkZmpMZXBjbTlRYnBWd1NEUHpJRTE2Vjl2VzhfZC1ydmFmNk9RWFp6UEUzbVJNSEZ5Vnl4dmYtWi10RUloQkdHazNHZ3Y0ME9PZFNPTXFRbHZfZE9ubVhiUTN6U3dZSGlxTQ?oc=5) · StateCollege.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2405 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/37.json (key "2405", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=2405
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide