GHA
Charter #21774 · Greenwich, CT · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 16.56% ranks in the 77th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 2.05% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.24% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.13% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 65.23% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | GHA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $30.88M | 63th pct | 48th pct |
| Members | 2,385 | 60th pct | 48th pct |
| Net worth ratio | 16.56% | 69th pct | 77th pct |
| Return on average assets | 2.05% | 95th pct | 95th pct |
| Net interest margin | 4.27% | 70th pct | 74th pct |
| Cost of funds | 0.24% | 17th pct | 20th pct |
| Loan-to-share | 38.82% | 19th pct | 34th pct |
| Delinquency 60+ days | 0.13% | 24th pct | 15th pct |
| Net charge-off ratio | 0.44% | 69th pct | 56th pct |
| Loan growth YoY | -3.42% | 42th pct | 44th pct |
| Share growth YoY | -0.40% | 23th pct | 18th pct |
| Efficiency ratio | 65.23% | 17th pct | 11th pct |
structural peer set hash: b06671f54b3f39031a74c7cbb26da67d… (reproducible)
Closest structural peers
This is the free public view
Claim GHA
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.