| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.3% | +1.3% | -5.6 pts |
| Share growth (YoY) | -7.2% | +0.9% | -8.1 pts |
| Loan growth (YoY) | -7.0% | -2.6% | -4.3 pts |
| ROA | 1.50% | 0.65% | +0.8 pts |
| ROE | 8.5% | 4.4% | +4.2 pts |
ROA ranks in the 85th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $29.7M | $24.4M | $10.1M | $5.2M | $222K | 1.50% | 4.54% | 0.56% | 2,361 |
| Q1 2026 | $30.9M | $25.7M | $10.0M | $5.1M | $160K | 2.08% | 4.32% | 0.13% | 2,385 |
| Q4 2025 | $31.6M | $26.5M | $10.2M | $5.0M | $545K | 1.73% | 4.14% | 0.18% | 2,417 |
| Q3 2025 | $30.7M | $25.8M | $10.3M | $4.8M | $362K | 1.58% | 4.24% | 0.08% | 2,409 |
| Q2 2025 | $31.1M | $26.3M | $10.8M | $4.7M | $220K | 1.42% | 4.11% | 0.03% | 2,418 |
| Q1 2025 | $31.1M | $26.5M | $11.1M | $4.5M | $95K | 1.22% | 4.03% | 0.03% | 2,411 |
| Q4 2024 | $30.0M | $25.5M | $11.1M | $4.4M | $326K | 1.09% | 3.91% | 0.18% | 2,423 |
| Q3 2024 | $29.6M | $25.2M | $11.0M | $4.3M | $223K | 1.00% | 3.91% | 0.16% |
| Ratio | Gha Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 0.65% | 85th | |
Return on equity Annualized net income ÷ equity or net worth | 8.5% | 4.4% | 78th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.54% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,423 |
| Q2 2024 | $30.7M | $26.3M | $10.4M | $4.2M | $221K | 1.44% | 3.71% | 0.18% | 2,437 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $7.1M · securities $16.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.4% | 80.6% | 27th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Gha Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Gha Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Gha Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Gha Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Gha Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Western Connecticut, CT, ranked 32nd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Western Connecticut, CT | 1 | $24.4M* | 0.04% | 32nd |
Connecticut: 99th with 0.01% · Bridgeport-Stamford-Danbury metro: 37th, 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1