Federal credit union · Greenwich, Connecticut · NCUA charter #21774
GHA
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $31.6M
- Total assets
- 2,417
- Members
- 16.6%
- Net-worth ratio
GHA scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $31.6M; members 2,417; net-worth ratio 16.56%; health rank #1,402 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,402 of 4,374 health · 2025Q4GHA · health 88/100 · $31.6M · 2025Q4
Call Report peers
GHA in the assets neighbourhood
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GHA vs every NCUA-scored credit union
GHA sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
GHA: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 16.56% vs peer 14.86% (+1.70 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -21.27 pp (38.53% vs 59.80%).
Connecticut standing for GHA
- Health composite ranks #15 of 64 among scored Connecticut credit unions.
- By total assets, GHA is #43 of 64 in Connecticut.
- Connecticut membership ordinal: #38 of 64.
- One place up in Connecticut, Membersfirst Ct (#14) scores 89/100, 1 point higher; one place down, Healthcare Financial (#16) ties at 88/100.
GHA Call Report trajectory
GHA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.3% from $31.6M (2025Q4) to $30.9M (2026Q1).
- Net-worth ratio shifted +0.79 pp (15.77% → 16.56%).
16.56% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
GHA gives up 12 points in total. Member Growth costs the most, 6.4 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.6 pts
- Loan-to-Share Ratio 9.4 pts
Call Report ratios for GHA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.56% | +1.70 pp |
| Delinquency Rate | 0.18% | -0.96 pp |
| Return on Assets | 1.03% | +0.33 pp |
| Member Growth | -0.25% | - |
| Loan-to-Share Ratio | 38.53% | -21.27 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - GHA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $30.9M | - |
| 2025Q4 | $31.6M | 2,417 |
| 2024Q4 | $30.0M | 2,423 |
| 2023Q4 | $30.6M | 2,438 |
Credit Union Details
- Charter Number
- 21774
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Connecticut
- City
- Greenwich
- Data Quarter
- 2025Q4
Branch Location
GHA operates a single office in Greenwich, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Greenwich, CT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Connecticut
A look at other Connecticut credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for GHA
Similar total assets
Similar health score
Using this data
- GHA ranks #1,402 of 4,374 nationally on financial health and #15 of 64 in CT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Norwalk Hospital is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Norwalk Hospital
Frequently Asked Questions
Is GHA financially healthy?
GHA has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,402 of 4,374 nationally on health and #15 of 64 in Connecticut. Its net worth ratio is 16.56% and its delinquency rate 0.18%.
How does GHA compare to other credit unions?
GHA scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (16.56% vs 14.86%). Its widest shortfall is loan-to-share ratio (38.53% vs 59.80%).
How can I join GHA?
GHA operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact GHA directly for the exact boundaries and application steps.
Is my money safe at GHA?
GHA is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. GHA's net worth ratio of 16.56% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.