Gha

Greenwich, CT · 1 · Charter #21774 · www.ghafcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$31.6M
79th percentile
Members
2,417
75th percentile
Total loans
$10.2M
66th percentile
Total shares
$26.5M
79th percentile

Profitability

Return on assets
1.73%
85th percentile
Net interest margin
4.14%
56th percentile
Efficiency ratio
62.98%
58th percentile
Non-interest income ratio
10.17%
53th percentile

Capital & Risk

Net worth ratio
15.77%
55th percentile
Delinquency rate
0.18%
73th percentile
Net charge-off rate
-0.48%
99th percentile
Loan-to-share
38.53%
20th percentile

Growth

Member growth YoY
-0.25%
64th percentile
Asset growth YoY
5.37%
76th percentile
Loan growth YoY
-8.32%
29th percentile
Share growth YoY
4.05%
70th percentile

Operations

Members / branch
2,417
85th percentile
Assets / member
$13,074
77th percentile
Field of membership penetration
60.42%
77th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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