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Gfa
Gardner, MA · NCUA Charter #24279 · Federal charter · Chartered 1938
Total assets
$747.30M
Shares & deposits
$617.13M
Total loans
$505.29M
Members
33,661
Net worth
$68.46M
Branches
7
Rank: #595 of 4,299 U.S. credit unions by assets · #19 of 121 in Massachusetts. Assets changed 5.2% and membership -26.2% over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 9.16% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 0.48% |
| Loans to shares & deposits | 81.9% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $636.15M | $573.26M | $0 | $67.68M |
| Jun 2023 | $663.85M | $553.17M | $0 | $72.59M |
| Jun 2024 | $675.36M | $532.80M | $0 | $69.88M |
| Jun 2025 | $710.07M | $551.78M | $0 | $68.76M |
| Jun 2026 | $747.30M | $617.13M | $0 | $68.46M |
Branch footprint
| State | Branches |
|---|---|
| Massachusetts | 4 |
| New Hampshire | 3 |
Similar-sized credit unions
The First Financial ($748.27M) · Pioneer ($743.99M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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