Ghs Federal Credit Union
Total assets
$246.7M
▲ +10.0% YoY
Shares & deposits
$217.1M
▲ +5.9% YoY
Loans
$163.1M
▲ +2.0% YoY
Members
18,850
▲ +25.2% YoY
ROA (annualized)
2.64%
peers 0.69%
ROE (annualized)
28.54%
peers 5.95%
Peer comparison 1,070 credit unions with 100M-500M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.0% | +3.9% | +6.1 pts |
| Share growth (YoY) | +5.9% | +3.3% | +2.6 pts |
| Loan growth (YoY) | +2.0% | +2.9% | -0.9 pts |
| ROA | 2.64% | 0.69% | +1.9 pts |
| ROE | 28.5% | 5.9% | +22.6 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
Profile
- Established
- 1940
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 5
- Address
- 910 Upper Front St, Binghamton, NY, 13905
- NCUA charter #
- 3841
- RSSD ID
- 430577
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $246.7M | $217.1M | $163.1M | $22.8M | $1.6M | 2.64% | 4.87% | 4.57% | 18,850 |
| Q4 2025 | $232.2M | $210.2M | $162.3M | $21.2M | $2.1M | 0.92% | 4.61% | 4.66% | 15,948 |
| Q3 2025 | $227.8M | $207.3M | $161.9M | $20.5M | $820K | 0.48% | 4.64% | 4.58% | 15,981 |
| Q2 2025 | $227.0M | $207.5M | $161.3M | $20.0M | $276K | 0.24% | 4.55% | 4.22% | 16,069 |
| Q1 2025 | $224.3M | $204.9M | $159.9M | $19.5M | $-213K | -0.38% | 4.44% | 4.38% | 15,056 |
| Q4 2024 | $227.7M | $209.3M | $156.8M | $19.7M | $171K | 0.07% | 4.41% | 4.30% | 16,148 |
| Q3 2024 | $227.5M | $208.8M | $158.9M | $20.8M | $666K | 0.39% | 4.39% | 4.04% | 16,207 |
| Q2 2024 | $229.1M | $211.1M | $160.6M | $21.4M | $1.2M | 1.08% | 4.27% | 3.78% | 20,016 |
Loan mix (Q1 2026): real estate $48.9M · commercial $12.5M · consumer $96.0M · securities $65.3M
Ratio pack Q1 2026 · peer medians from 1070 institutions
Profitability
| Ratio | Ghs Federal Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.64% | 0.69% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 28.5% | 5.9% | 100th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.87% | 3.62% | 96th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.4% | 78.7% | 4th | |
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% |
Balance sheet
| Ratio | Ghs 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% |
Capital
| Ratio | Ghs 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% |
Credit quality
| Ratio | Ghs 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% |
Franchise
| Ratio | Ghs 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% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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