Federal credit union · Binghamton, New York · NCUA charter #3841
GHS
Health score 59/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 59
- Health / 100
- $232.2M
- Total assets
- 15,948
- Members
- 9.8%
- Net-worth ratio
GHS scores 59/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $232.2M; members 15,948; net-worth ratio 9.78%; health rank #4,093 of 4,374; healthier than 6th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,093 of 4,374 health · 2025Q4GHS · health 59/100 · $232.2M · 2025Q4
Call Report peers
GHS in the assets neighbourhood
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GHS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); GHS sits in 55-59 with 115 others.
59 6th percentile higher than 6% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
GHS: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 77.22% vs peer 72.20% (+5.02 pp).
- Delinquency Rate trails the peer set - 4.66% here, 0.89% peer average (+3.76 pp).
GHS in New York
- Health composite ranks #249 of 272 among scored New York credit unions.
- New York assets place: #55 of 272.
- New York membership ordinal: #49 of 272.
- One place up in New York, ACADEMIC (#248) ties at 59/100; one place down, Good Neighbors (#250) ties at 59/100.
Quarter path for GHS
GHS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.3% from $232.2M (2025Q4) to $246.7M (2026Q1).
- Net-worth ratio shifted +0.48 pp (9.30% → 9.78%).
This credit union's 9.78% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 59/100 score is built
GHS gives up 41 points in total. Delinquency Rate costs the most, 25 of its 25; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 29.4 pts
- Delinquency Rate 0.0 pts
- Return on Assets 7.8 pts
- Member Growth 6.8 pts
- Loan-to-Share Ratio 15.0 pts
GHS vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.78% | -2.33 pp |
| Delinquency Rate | 4.66% | +3.76 pp |
| Return on Assets | 0.07% | -0.55 pp |
| Member Growth | -1.24% | - |
| Loan-to-Share Ratio | 77.22% | +5.02 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - GHS
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $246.7M | - |
| 2025Q4 | $232.2M | 15,948 |
| 2024Q4 | $227.7M | 16,148 |
| 2023Q4 | $226.1M | 19,912 |
Credit Union Details
- Charter Number
- 3841
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New York
- City
- Binghamton
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for GHS, spread across 2 cities.
| Office | City |
|---|---|
| Main Office (Main Office) | Binghamton, NY |
| Norwich Branch | Norwich, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
Other federally-insured credit unions in New York, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- GHS ranks #4,093 of 4,374 nationally on financial health and #249 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Western Division is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Western Division
Frequently Asked Questions
Is GHS financially healthy?
On its 2025Q4 NCUA 5300 filing, GHS scores 59/100 (Fair), with a 9.78% net worth ratio and 4.66% of loans delinquent. It ranks #4,093 of 4,374 nationally on health and #249 of 272 in New York.
How does GHS compare to other credit unions?
GHS scores 59/100, higher than 6% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (77.22% vs 72.20%). Its widest shortfall is delinquency rate (4.66% vs 0.89%).
How can I join GHS?
GHS 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 GHS directly for the exact boundaries and application steps.
Is my money safe at GHS?
GHS 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. GHS's net worth ratio of 9.78% 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.