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Gfa

Gardner, MA · Charter 24279

NCUA · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

12

Q2 2024Q2 2026peer median (50)

Asset Quality

45

Q2 2024Q2 2026peer median (50)

Profitability

9

Q2 2024Q2 2026peer median (50)

Liquidity

45

Q2 2024Q2 2026peer median

Efficiency

16

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Gfa

Gardner, MA · Charter 24279

NCUA · 10 branches

Q2 2026

$747.3MAssets
$505.3MLoans
$617.1MShares
$68.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.14%, down 9 bps year over year; NIM at 2.78%.
  • Asset quality: problem loans at 0.75% of loans (-78 bps YoY).
  • Capital: net worth / assets of 9.16%, down 52 bps from a year ago.
  • Funding: loans stand at 81.88% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.14%-9 bps YoY

Net Interest Margin (YTD, annualized)

2.78%+42 bps YoY

Efficiency Ratio (YTD, annualized)

91.39%-414 bps YoY

Net Worth / Assets

9.16%-52 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.05%-0.05%0.01%0.30%-0.14%-9 bps
Return on Equity-0.52%-0.55%0.12%3.34%-1.54%-101 bps
Net Interest Margin2.36%2.30%2.33%2.72%2.78%+42 bps
Efficiency Ratio95.53%92.97%91.64%77.93%91.39%-414 bps
Growth
Asset Growth (YoY)5.14%9.45%12.20%10.40%5.24%+10 bps
Loan Growth (YoY)21.58%24.24%23.67%23.06%14.96%-662 bps
Share Growth (YoY)3.56%11.65%14.86%12.28%11.84%+828 bps
Asset Quality
Delinquent Loans / Loans1.54%0.41%0.41%0.42%0.75%-78 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.68%9.15%9.08%9.06%9.16%-52 bps
Net Worth / Assets9.68%9.15%9.08%9.06%9.16%-52 bps
Liquidity & Funding
Loans / Shares79.66%84.18%83.40%83.84%81.88%+222 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Gfa

Gardner, MA · Charter 24279 · Peer group: credit unions under $1B in assets (n=1,681-1,683)

NCUA · 10 branches

Q2 2026

$747.3MAssets
$505.3MLoans
$617.1MShares
$68.5MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 45% of credit unions under $1B in assets (rank 926 of 1682).
  • Widest gap: net interest margin trails 92% of credit unions under $1B in assets (rank 1548 of 1683).
  • Overall: at or above the peer median on 0 of 7 directional measures.

Return on Assets

-0.14%

Rank 1,522 of 1,683

Net Interest Margin

2.78%

Rank 1,548 of 1,683

Efficiency Ratio

91.40%

Rank 1,422 of 1,682

Equity / Assets

9.16%

Rank 1,488 of 1,683

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.14%0.35%0.74%1.18%Beats 10%1,522 / 1,683
Return on Equity-1.54%2.67%5.89%8.74%Beats 9%1,535 / 1,681
Net Interest Margin2.78%3.31%3.82%4.32%Beats 8%1,548 / 1,683
Efficiency Ratio91.40%68.91%78.20%86.93%Beats 16%1,422 / 1,682
Asset Quality
Nonperforming Loans / Loans0.75%0.26%0.65%1.29%Beats 45%926 / 1,682
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio9.16%10.44%12.89%16.53%Beats 12%1,488 / 1,683
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets9.16%10.44%12.89%16.53%Beats 12%1,488 / 1,683
Liquidity & Funding
Loans / Deposits81.88%52.61%69.38%83.50%73rd pctl458 / 1,683
Loans / Assets67.62%44.71%59.18%70.72%68th pctl536 / 1,683
Brokered Deposits / Depositsn/aNot reported for this institution