Ghs

Binghamton, NY · 1 · Charter #3841 · www.ghsfcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$232.2M
96th percentile
Members
15,948
92th percentile
Total loans
$162.3M
97th percentile
Total shares
$201.4M
97th percentile

Profitability

Return on assets
2.10%
94th percentile
Net interest margin
4.61%
90th percentile
Efficiency ratio
54.25%
74th percentile
Non-interest income ratio
20.62%
67th percentile

Capital & Risk

Net worth ratio
9.13%
12th percentile
Delinquency rate
4.66%
1th percentile
Net charge-off rate
1.50%
5th percentile
Loan-to-share
80.61%
72th percentile

Growth

Member growth YoY
-1.24%
43th percentile
Asset growth YoY
1.98%
34th percentile
Loan growth YoY
3.55%
63th percentile
Share growth YoY
5.75%
69th percentile

Operations

Members / branch
7,974
95th percentile
Assets / member
$14,559
51th percentile
Field of membership penetration
5.32%
47th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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