GFA
Charter #24279 · Gardner, MA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 2.37% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.09% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 77.93% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 49th percentile but its structural peers at the 25th — a 25-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | GFA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $760.58M | 60th pct | 43th pct |
| Members | 33,415 | 25th pct | 34th pct |
| Net worth ratio | 9.06% | 19th pct | 36th pct |
| Return on average assets | 0.30% | 22th pct | 33th pct |
| Net interest margin | 2.72% | 9th pct | 28th pct |
| Cost of funds | 2.37% | 91th pct | 87th pct |
| Loan-to-share | 83.84% | 56th pct | 39th pct |
| Delinquency 60+ days | 0.42% | 33th pct | 34th pct |
| Net charge-off ratio | 0.09% | 8th pct | 18th pct |
| Loan growth YoY | 2.72% | 71th pct | 79th pct |
| Share growth YoY | 3.13% | 38th pct | 56th pct |
| Efficiency ratio | 77.93% | 49th pct | 25th pct |
structural peer set hash: 917ac7d90d3b450e3c727b9747a26bd7… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.