Ghs Credit Union

Ghs Credit Union is headquartered in Binghamton and is the 58^th largest credit union in the state of New York. It is also the 1,187^th largest credit union in the nation. It was established in 1940 and as of December of 2011, it had grown to 40 employees and 15,256 members. Ghs Credit Union has a 5-star health rating.

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Data for Q4 2011

Institution Statistics GHS NCUA # 3841 BankRate Report View Year Chartered 1940 Employees 40 Primary Regulator Assets and Liabilities Assets $129.74 million Loans $87.92 million Deposits $118.35 million Equity Capital $10.48 million Loan Loss Allowance $284,000 Unbacked Noncurrent Loans $650,000 Historic Data - December 2010 Assets $125.68 million Equity Capital $9.74 million Loan Loss Allowance $239,000 Unbacked Noncurrent Loans $426,000 Real Estate Owned $1,000 Profit Margin - Quarterly Net Interest Margin 4.86% Return on Assets 0.84% Return on Equity 10.44% Interest Income $5.84 million Non-Interest Income $1.83 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Ghs Credit Union had $650,000 in non-current loans and owned real-estate with $10.76 million in equity and loan loss allowances on hand to cover it. This gives Ghs Credit Union a Texas Ratio of 6.04% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Ghs Credit Union held steady from 4.28% as of December 31, 2010 to 6.04% as of December 31, 2011, resulting in a negative change of 41.21%. This indicates that the balance sheet and financial strength for Ghs Credit Union has held steady in recent periods. Deposit Growth In the past year, Ghs Credit Union has increased its total deposits by $3.06 million, resulting in 2.66% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Ghs Credit Union has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Ghs Credit Union has $129.74 million in assets with $10.76 million in equity, resulting in a capitalization level of 8.30%, which is average.

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