GFA Credit Union Profile

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GFA

Charter #24279 | NCUA Region 1 | FCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (978) 632-2542

Fax: (978) 630-5616

Founding Date: N/A

Website: https://www.GFAFCU.COM

Personnel & Operations

President: Delay, Douglas

Manager: Hettinger, Mark

FT Employees: 102

PT Employees: 5

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 98

Branches: 10

Hours: Mon, Tue, Wed 9:00 AM - 5:00 PM Thur 9:00 A

Credit Union Profile Summary

GFA is a FCU Credit Union. With a total of 45,621 members ^[1], this institution manages approximately $710,071,527 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.68% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 21.58% ^[1].

Financial Snapshot

Total Assets ^[1]

$710,071,527

Total economic resources.

Total Loans ^[1]

$439,546,864

Total value of outstanding loans.

Total Deposits ^[1]

$551,775,099

Total funds deposited by members.

Members ^[1]

45,621

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

9.68%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

-0.05%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

79.66%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 5.14%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 21.58%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↑ 38.00%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

229 Parker St

Gardner, MA, 01440-3703

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 10 branches reported by GFA (Charter #24279).

Main Office

Main Office - Parker Street Branch Main Office

Type: Corporate Office

Type: Branch Office

185 Central St

Winchendon, MA 01475-1634

Phone: (978) 297-4161

Services: Member Services, ATM, Drive-Thru

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