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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer 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 Margin | 2.78% | 3.31% | 3.82% | 4.32% | Beats 8% | 1,548 / 1,683 | | |
| Efficiency Ratio | 91.40% | 68.91% | 78.20% | 86.93% | Beats 16% | 1,422 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.26% | 0.65% | 1.29% | Beats 45% | 926 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.16% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,488 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.16% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,488 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 81.88% | 52.61% | 69.38% | 83.50% | 73rd pctl | 458 / 1,683 | | |
| Loans / Assets | 67.62% | 44.71% | 59.18% | 70.72% | 68th pctl | 536 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |