Charter 24279 · Gardner, MA
Gfa Federal Credit Union
Gfa Federal Credit Union is a federally chartered credit union in Gardner, Massachusetts, with $747 million in assets and 33,661 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.16%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $747 million
- +5.2% in a year
- Members
- 33,661
- -26.2% in a year
- Net worth ratio
- 9.16%
- Peer median 10.79%
- Loans 60+ days late
- 0.75%
- Peer median 0.67%
- Loans outstanding
- $505 million
- +15.0% in a year
- Shares and deposits
- $617 million
- +11.8% in a year
- Branches
- 7
- 98 employees
- Opened
- 1938
- Federal charter
How Gfa Federal Credit Union compares
NCUA groups credit unions by size; Gfa Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 9.16% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.75%, is higher than the group median of 0.67%. Loans grew 15.0% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 19 of 121 credit unions headquartered in Massachusetts. See all Massachusetts credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $747 million | 33,661 | $505 million | 9.16% | 0.75% |
| Q1 2026 | $761 million | 33,415 | $510 million | 9.06% | 0.42% |
| Q4 2025 | $760 million | 33,175 | $504 million | 9.08% | 0.41% |
| Q3 2025 | $750 million | 32,918 | $497 million | 9.15% | 0.41% |
| Q2 2025 | $710 million | 45,621 | $440 million | 9.68% | 1.54% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 845,433 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 7 sites for Gfa Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Main Office - Parker Street Branch (main office)
229 Parker St, Gardner, MA 01440 - Pearson Boulevard Branch
67 Pearson Blvd, Gardner, MA 01440 - Hubbardston Branch
2 Gardner Rd, Hubbardston, MA 01452 - Winchendon Branch
185 Central St, Winchendon, MA 01475 - Rindge Branch
1448 Route 119, Rindge, NH 03461 - Peterborough Branch
99 Grove St, Peterborough, NH 03458 - Keene Branch
346 Winchester St, Keene, NH 03431
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology