GFA

Charter #24279 | MA

500M-750M (169 CUs) Community (281 CUs)
9 500M-750M in MA

GFA has 6 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 0.1% in tier
  • + Wallet Share Momentum: Top 1.1% in tier
  • + Total Assets: Top 0.0% in tier
  • + Loan Growth Rate: Top 1.8% in tier
  • + AMR Growth Rate: Top 2.4% in tier
  • + Deposit Growth Rate: Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 1.6% in tier
  • - ROA 0.71% below tier average
  • - Efficiency ratio 14.88% above tier (higher cost structure)
  • - Net Interest Margin (NIM): Bottom 3.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 32,918
-0.5% YoY-27.8% QoQ
 -6.8K 39,752
-2.7% YoY
 27,447
+2.6% YoY
 33,089
+6.1% YoY
 30th in tier
Assets $750.0M
+9.5% YoY+5.6% QoQ
 +$127.6M $622.4M
+0.3% YoY
 $440.2M
+4.2% YoY
 $547.7M
+7.8% YoY
 Top 0.6% in tier
Loans $496.7M
+24.2% YoY+13.0% QoQ
 +$60.7M $435.9M
-0.4% YoY
 $341.2M
+2.4% YoY
 $388.7M
+8.6% YoY
 71st in tier
Deposits $590.0M
+11.6% YoY+6.9% QoQ
 +$52.0M $538.0M
+1.3% YoY
 $366.8M
+5.5% YoY
 $464.6M
+9.3% YoY
 74th in tier
ROA -0.1%
-79.7% YoY-0.1% QoQ
 -0.7% 0.7%
+33.9% YoY
 0.7%
+17.3% YoY
 0.7%
+273.4% YoY
 Bottom 5.3% in tier
NIM 2.4%
+23.5% YoY-1.5% QoQ
 -1.1% 3.4%
+8.6% YoY
 3.3%
+3.8% YoY
 3.7%
+5.0% YoY
 Bottom 2.4% in tier
Efficiency Ratio 93.0%
-11.3% YoY-2.7% QoQ
 +14.9% 78.1%
-3.4% YoY
 80.4%
-4.7% YoY
 79.1%
-3.3% YoY
 Top 4.7% in tier
Delinquency Rate 0.4%
-66.3% YoY-73.3% QoQ
 -0.4 0.8%
-4.9% YoY
 0.9%
-6.0% YoY
 1.2%
-0.9% YoY
 27th in tier
Loan To Share 84.2%
+11.3% YoY+5.7% QoQ
 +3.2% 81.0%
-1.8% YoY
 74.2%
-1.7% YoY
 68.0%
-1.7% YoY
 53rd in tier
AMR $33,012
+17.6% YoY+51.9% QoQ
 +$7K $26,482
+2.6% YoY
 $24,707
+3.7% YoY
 $19,418
+1.3% YoY
 Top 15.4% in tier
CD Concentration 31.8%
+30.4% YoY+32.7% QoQ
 +7.4% 24.4%
+4.2% YoY
 24.8%
+8.8% YoY
 19.6%
+6.2% YoY
 Top 24.7% in tier
Indirect Auto % 4.7%
+55.8% YoY-7.2% QoQ
 -9.3% 14.0%
-5.8% YoY
 2.6%
-15.5% YoY
 7.9%
-2.9% YoY
 45th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#4 of 1006 • Top 0.1% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 17.64%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $5.0K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#32 of 1006 • Top 1.1% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 17.64%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (1)

Efficiency Drag

risk
#29 of 521 • Bottom 1.6% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 92.97%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.20% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -0.49%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 169 peers in tier

Top Strengths (7 metrics)

1
Total Assets
balance_sheet
Value: $749.99M
Peer Avg: $622.38M
#1 of 169 Top 0.0% in 500M-750M tier
4
Loan Growth Rate
growth
Value: 24.24%
Peer Avg: 4.04%
#4 of 169 Top 1.8% in 500M-750M tier
5
AMR Growth Rate
growth
Value: 17.64%
Peer Avg: 3.12%
#5 of 169 Top 2.4% in 500M-750M tier
17
Deposit Growth Rate
growth
Value: 11.65%
Peer Avg: 5.25%
#17 of 169 Top 9.5% in 500M-750M tier
23
Asset Growth Rate
growth
Value: 9.45%
Peer Avg: 4.33%
#23 of 169 Top 13.0% in 500M-750M tier
26
Average Member Relationship (AMR)
engagement
Value: $33,012
Peer Avg: $26,482
#26 of 169 Top 14.8% in 500M-750M tier
26
Loan-to-Member Ratio (LMR)
engagement
Value: $15,088
Peer Avg: $11,805
#26 of 169 Top 14.8% in 500M-750M tier

Top Weaknesses (4 metrics)

165
Net Interest Margin (NIM)
profitability
Value: 2.36%
Peer Avg: 3.43%
#165 of 169 Bottom 3.0% in 500M-750M tier
162
Efficiency Ratio
profitability
Value: 92.97%
Peer Avg: 78.10%
#162 of 169 Bottom 4.7% in 500M-750M tier
160
Return on Assets (ROA)
profitability
Value: -0.05%
Peer Avg: 0.66%
#160 of 169 Bottom 5.9% in 500M-750M tier
130
Net Worth Ratio
risk
Value: 9.15%
Peer Avg: 10.94%
#130 of 169 Bottom 23.7% in 500M-750M tier