GHS
Charter #3841 · Binghamton, NY · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.78% sits at the 18th percentile of structural peers — worth a closer look.
- Return on average assets of 2.72% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 5.01% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 4.57% sits at the 98th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.00% sits at the 92nd percentile of structural peers — worth a closer look.
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 | GHS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $246.75M | 62th pct | 64th pct |
| Members | 18,850 | 73th pct | 66th pct |
| Net worth ratio | 9.78% | 25th pct | 18th pct |
| Return on average assets | 2.72% | 99th pct | 98th pct |
| Net interest margin | 5.01% | 97th pct | 92th pct |
| Cost of funds | 1.43% | 63th pct | 67th pct |
| Loan-to-share | 75.16% | 56th pct | 51th pct |
| Delinquency 60+ days | 4.57% | 100th pct | 98th pct |
| Net charge-off ratio | 1.00% | 88th pct | 92th pct |
| Loan growth YoY | 0.78% | 55th pct | 49th pct |
| Share growth YoY | 4.72% | 68th pct | 54th pct |
| Efficiency ratio | 55.42% | 5th pct | 0th pct |
structural peer set hash: 9676780f526e281fd459642de92c6d47… (reproducible)
Closest structural peers
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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.