Gardner, MA · Federal Credit Union · Chartered in MA
Who can join
Multiple / other
Members
33,415
Net Worth Ratio
9.06%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$760.6M
Total Shares
$608.5M
Total Loans
$510.2M
Net Income
$576K
Net Worth Ratio
9.06%
≥7% = Well Capitalized
Members
33,415
Return on Assets
0.08%
annualized · >0.5% healthy
Delinquency Rate (60d+)
0.33%
$1.7M
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 330 | 228 | 47 | 69.1% | 14.2% |
| 2022 | 533 | 378 | 46 | 70.9% | 8.6% |
| 2021 | 360 | 247 | 48 | 68.6% | 13.3% |
No CFPB complaint data available for this credit union.
Main Office - Parker Street Branch
229 Parker St, Gardner, MA, 01440-3703
Mon, Tue, Wed 9:00 AM - 5:00 PM Thur 9:00 AM - 6:00 PM Fri 9:00 AM - 5:00 PM Sat 9:00 AM - 12:00 PM
Pearson Boulevard Branch
67 Pearson Blvd, Gardner, MA, 01440-3368
Mon, Tue, Wed 9:00 AM - 4:00 PM Thur 9:00 AM - 5:00 PM Fri 9:00 AM - 5:00 PM Sat - Closed
Hubbardston Branch
2 Gardner Rd, Hubbardston, MA, 01452-1646
Mon, Tues, Wed 9:00 AM-4:00 PM Thur 9:00 AM-5:00 PM Fri 9:00 AM-5:00 PM Sat 9:00 AM-12:00 PM
Winchendon Branch
185 Central St, Winchendon, MA, 01475-1634
Mon, Tue, Wed 9:00 AM - 4:00 PM Thur 9:00 AM - 5:00 PM Fri 9:00 AM - 5:00 PM Sat 9:00 AM - 12:00 PM
Rindge Branch
1448 Route 119, Rindge, NH, 03461
Mon, Tue, Wed 9:00 AM - 4:00 PM Thur 9:00 AM - 5:00 PM Fri 9:00 AM - 5:00 PM Sat 9:00 AM - 12:00 PM
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<a href="https://bankscorer.com/credit-union/gfa" target="_blank" rel="noopener">View GFA on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Loan-to-share ratio: 83.8%· healthy range 60–80%
Peterborough Branch
99 Grove St, Peterborough, NH, 03458-1765
Mon, Tue, Wed 9:00 AM - 4:00 PM Thur 9:00 AM - 5:00 PM Fri 9:00 AM - 5:00 PM Sat 9:00 AM - 12:00 PM
Keene Branch
346 Winchester St, Keene, NH, 03431
Mon, Tue, Wed 9:00 AM - 4:00 PM Thur 9:00 AM - 5:00 PM Fri 9:00 AM - 5:00 PM Sat 9:00 AM - 12:00 PM