Gfa

Gardner, MA · 1 · Charter #24279 · www.GFAFCU.COM
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$760.0M
84th percentile
Members
33,175
61th percentile
Total loans
$503.8M
80th percentile
Total shares
$604.1M
79th percentile

Profitability

Return on assets
-0.35%
2th percentile
Net interest margin
2.33%
5th percentile
Efficiency ratio
59.10%
50th percentile
Non-interest income ratio
17.81%
42th percentile

Capital & Risk

Net worth ratio
9.08%
18th percentile
Delinquency rate
0.41%
79th percentile
Net charge-off rate
0.15%
84th percentile
Loan-to-share
83.40%
59th percentile

Growth

Member growth YoY
1.87%
65th percentile
Asset growth YoY
12.20%
92th percentile
Loan growth YoY
23.67%
98th percentile
Share growth YoY
14.86%
96th percentile

Operations

Members / branch
3,686
31th percentile
Assets / member
$22,909
86th percentile
Field of membership penetration
3.92%
48th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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