Gardner, Massachusetts · Peer group 6
Gfa Credit Union
Gfa Credit Union holds $760.6M in assets across 33,415 members as of Q1 2026 — about $23K of assets per member, on a charter dating to 1938. Charter number 24279, in the $500M-$1B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $760.6M |
|---|---|
| Total loans | $510.2M |
| Total shares (deposits) | $608.5M |
| Net worth | $68.9M |
| Members | 33,415 |
| Assets per member | $23K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | — |
|---|---|
| Loans | — |
| Deposits | — |
| Members | — |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 83.8% | around the 48th percentile of its peer group |
|---|---|---|
| Net worth ratio | 9.1% | around the 16th percentile of its peer group |
| Return on assets | 0.30% | around the 18th percentile of its peer group |
| Delinquency ratio | 0.42% | around the 30th percentile of its peer group |
| Cash / assets | 3.4% | lower than 92% of its peer group |
| Borrowings / assets | 13.6% | higher than 98% of its peer group |
What this page does not show
Everything above is Gfa Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Massachusetts — the comparison set a peer ratio is measured against.
- Freedom Credit Union
SPRINGFIELD, MA
$757.4M · 31,707 members
- Polish National Credit Union
Chicopee, MA
$765.4M · 28,647 members
- Mass. Institute of Tech. Credit Union
Lexington, MA
$743.0M · 35,226 members
- Quincy Credit Union
Quincy, MA
$733.0M · 39,322 members
- Direct Credit Union
Needham, MA
$789.8M · 23,538 members
- Umassfive College Credit Union
Hadley, MA
$712.5M · 51,124 members
CUSignals is independent and is not affiliated with, endorsed by, or acting for Gfa Credit Union, nor for any regulator or trade association. Figures on this page are drawn from institution-level data for the quarter shown and may trail the institution’s own reporting; they are presented for information and are not investment, credit or merger advice, and not a recommendation about this or any institution. No institution can pay to be listed, delisted, or shown differently. To request a correction, email admin@infinidatum.net. See the disclaimer and privacy policy.