Sep, 30, 2025 — G.A.P. FEDERAL CREDIT UNION is a federal credit union headquartered in JOHNSTOWN, PA with 6 branch locations and about $74.97 million in total assets. Opened 89 years ago in 1937, G.A.P. FEDERAL CREDIT UNION has about 6,490 members and employs 18 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | G.A.P. FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 111 Franklin St Rm 224 JOHNSTOWN, PA 15901 |
| Phone: | (814) 535-4165 |
| Fax: | (814) 535-2175 |
| Website: | https://www.gapfcu.org |
| Branches: | 6 branch locations |
| Members: | 6,490 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 2405 |
|---|---|
| Membership Type: | Multiple common bond - Primarily federal, state, local government |
| Corporate Credit Union: | No |
| Year Opened: | 1937 |
| Last Audited: | Mar 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $74,965,054 |
| CEO/Manager: | Diane G Lopez |
| Chairperson: | Wendy Hudak |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 6,596,164 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 11,985,863 |
| Unsecured Loans | 7,976,651 |
| Other Loans | 18,917,328 |
| TOTAL LOANS | 38,879,842 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -407,330 |
| Land And Building | 147,893 |
| Other Fixed Assets | 80,287 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 630,610 |
| All Other Assets | 0 |
| TOTAL ASSETS | 74,965,054 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 5,045 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 247,409 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 12,979,576 |
| Regular shares | 39,361,397 |
| All Other Shares & Deposits | 11,957,848 |
| TOTAL SHARES & DEPOSITS | 64,298,821 |
| TOTAL LIABILITIES | 64,551,275 |
| Regular Reserve | 0 |
| Other Reserves | 676,020 |
| Undivided Earnings | 9,737,759 |
| TOTAL EQUITY | 10,413,779 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 74,965,054 |
| INCOME & EXPENSE | |
| Loan Income | 1,786,677 |
| Investment Income | 811,039 |
| Other Income | 64,645 |
| Total Employee Compensation & Benefits | 712,461 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 948,762 |
| Non-operating Income & (Expense) | 292,378 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 38,835 |
| Cost of Funds | 207,223 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,047,458 |
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