TellerScore

Franklin Johnstown Federal Credit Union (NCUA charter #6723) is based in Johnstown, Pennsylvania. Its Q2 2026 call report shows $37.3M in total assets and $32.8M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Franklin Johnstown Federal Credit Union scores 79/100, which we describe as strong. That is higher than 62% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 106th. Its strongest component is funding & liquidity (100/100; 34% loans-to-deposits, 1% uninsured), and its lowest is earnings (32/100; 0.30%).

TellerScore · Q2 2026

Scorecard

Capital cushion87/100
Net worth ratio: 13.71%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.42%
Earnings32/100
Return on assets (annualized): 0.30%
Funding & liquidity100/100
Loans ÷ shares: 34.4% · 0.9% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.92%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (83 → 79), mostly because the earnings component weakened by 21 points.

TellerScore
788286Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202483
Q4 202482
Q1 202579
Q2 202583
Q3 202583
Q4 202586
Q1 202678
Q2 202679
Net worth ratio
7.00%10.43%13.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.41%
Q3 202412.94%
Q4 202413.11%
Q1 202512.92%
Q2 202513.32%
Q3 202513.68%
Q4 202513.87%
Q1 202613.40%
Q2 202613.71%
Delinquent loans (60+ days)
0.14%0.30%0.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.42%
Q3 20240.21%
Q4 20240.32%
Q1 20250.39%
Q2 20250.31%
Q3 20250.46%
Q4 20250.14%
Q1 20260.24%
Q2 20260.42%
Return on assets
0.12%0.49%0.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.71%
Q3 20240.85%
Q4 20240.79%
Q1 20250.55%
Q2 20250.82%
Q3 20250.87%
Q4 20250.81%
Q1 20260.12%
Q2 20260.30%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$37.3M13.71%0.42%0.30%34.4%
Q1 202678$37.9M13.40%0.24%0.12%33.1%
Q4 202586$36.5M13.87%0.14%0.81%35.5%
Q3 202583$36.6M13.68%0.46%0.87%36.2%
Q2 202583$36.9M13.32%0.31%0.82%35.1%
Q1 202579$37.3M12.92%0.39%0.55%33.7%
Q4 202482$36.4M13.11%0.32%0.79%35.7%
Q3 202483$36.4M12.94%0.21%0.85%36.8%
Q2 202478$37.2M12.41%0.42%0.71%35.8%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.71%
45th
Problem loans0.42%
62nd
Net charge-offs-0.03%
90th
Return on assets0.30%
31st
Loans to deposits34.4%
84th
Uninsured deposits0.9%
55th
Loan-loss reserves0.00%
37th
Texas ratio0.9%
67th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Central Susquehanna Community Federal Credit UnionCredit union Danville, PA82 out of 100, Strong$37.4M12.1%0.00%vs
Vasco Federal Credit UnionCredit union Latrobe, PA68 out of 100, Moderate$36.7M11.6%1.23%vs
Norwin Teachers Federal Credit UnionCredit union North Huntingdo, PA73 out of 100, Strong$38.8M10.8%0.73%vs
Bucks County Employees Credit UnionCredit union Doylestown, PA71 out of 100, Strong$39.2M12.2%0.91%vs
Hazleton School Employees Credit UnionCredit union Hazleton, PA80 out of 100, Strong$35.4M21.8%1.96%vs
A & S Federal Credit UnionCredit union Aliquippa, PA95 out of 100, Very strong$39.3M15.1%0.55%vs

Deposit insurance

Is my money safe at Franklin Johnstown Federal Credit Union?

Yes. Franklin Johnstown Federal Credit Union is a federally insured credit union (NCUA charter #6723). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.9% of shares and deposits ($295K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.71%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Franklin Johnstown Federal Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Franklin Johnstown Federal Credit Union
Type
Federal credit union
NCUA charter #
6723
RSSD ID
42484
Primary regulator
NCUA
Established
1950
Headquarters
310 Bloomfield St, Johnstown, PA 15904
Employees
13

Quick answers

Franklin Johnstown Federal Credit Union: common questions

Is Franklin Johnstown Federal Credit Union NCUA insured?

Yes. Franklin Johnstown Federal Credit Union is a federally insured credit union (NCUA charter #6723). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Franklin Johnstown Federal Credit Union's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Franklin Johnstown Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Johnstown

InstitutionScoreAssetsCapitalProblem loansCompare
C-B-W Schools Federal Credit UnionCredit union Sidman, PA91 out of 100, Very strong$131.8M29.8%0.33%vs
A.B. Federal Credit UnionCredit union Duncansville, PA91 out of 100, Very strong$10.5M14.8%0.08%vs
G.A.P. Federal Credit UnionCredit union Johnstown, PA87 out of 100, Very strong$79.0M13.7%0.74%vs
Commercial Bank and Trust of PABank Latrobe, PA86 out of 100, Very strong$357.5M14.7%0.14%vs
Ussco Johnstown Federal Credit UnionCredit union Johnstown, PA78 out of 100, Strong$173.7M12.5%0.37%vs
Healthcare First Credit UnionCredit union Johnstown, PA76 out of 100, Strong$100.6M13.5%1.27%vs