GFA
Federal • Gardner, Massachusetts • Est. 1938
Quick Facts
- Charter Number
- #24279
- Type
- Federal
- Established
- 1938
- Headquarters
- Gardner, Massachusetts 01440-3703
- Address
- 229 Parker St
- Branches
- 9
- ATMs
- 10
- Members
- 33,175
- Membership Type
- Occupational
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
33,175 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | GFA |
|---|---|
| Total Assets | $760.0M |
| Members | 33,175 |
| Loans Outstanding | $503.8M |
| Shares & Deposits | $604.1M |
| Net Worth | $69.0M |
| Net Worth Ratio | 9.08% |
| Loan-to-Share Ratio | 83.4% |
| Delinquency Rate | 0.41% |
| Net Income | +$2,046,446 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
9 locations · 10 ATMs
Main Office - Parker Street Branch
Main Office229 Parker St
Gardner, MA 01440-3703
Pearson Boulevard Branch
67 Pearson Blvd
Gardner, MA 01440-3368
Hubbardston Branch
2 Gardner Rd
Hubbardston, MA 01452-1646
Winchendon Branch
185 Central St
Winchendon, MA 01475-1634
Rutland Branch
32 Pommogussett Rd
Rutland, MA 01543-1461
Who Can Join GFA?
Membership Type: Occupational
Membership eligibility for GFA may vary. Contact the credit union directly to confirm qualification requirements.
Contact GFA directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Massachusetts RankingsFrequently Asked Questions
Yes. GFA is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, GFA has 33,175 members and a potential membership field of 845,433 people.
GFA's net worth ratio is 9.08% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.1%, GFA meets this threshold.
GFA operates 9 branch locations and has access to 10 ATMs. The main office is located at 229 Parker St, Gardner, MA 01440-3703.
GFA was established in 1938. It is a federal credit union chartered under charter number 24279. The institution has been serving members for 88 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or GFA. All financial data is for informational purposes only.