PackageTrendsPeer
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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