GHS
Binghamton, NY · Charter 3841 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$252.7MAssets
$167.8MLoans
$217.1MShares
$23.2MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 99% of credit unions under $1B in assets (rank 25 of 1681).
- Widest gap: nonperforming loans / loans trails 97% of credit unions under $1B in assets (rank 1626 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
1.62%
Rank 196 of 1,683
Net Interest Margin
4.87%
Rank 180 of 1,683
Efficiency Ratio
62.72%
Rank 240 of 1,682
Equity / Assets
9.19%
Rank 1,484 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.62% | 0.35% | 0.74% | 1.18% | Beats 88% | 196 / 1,683 | | |
| Return on Equity | 17.58% | 2.67% | 5.89% | 8.74% | Beats 99% | 25 / 1,681 | | |
| Net Interest Margin | 4.87% | 3.31% | 3.82% | 4.32% | Beats 89% | 180 / 1,683 | | |
| Efficiency Ratio | 62.72% | 68.91% | 78.20% | 86.93% | Beats 86% | 240 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.90% | 0.26% | 0.65% | 1.29% | Beats 3% | 1,626 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.19% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,484 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.19% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,484 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 77.27% | 52.61% | 69.38% | 83.50% | 65th pctl | 597 / 1,683 | | |
| Loans / Assets | 66.38% | 44.71% | 59.18% | 70.72% | 65th pctl | 583 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |