Overview / Commentary
GHS Federal Credit Union is headquartered in Binghamton and is the 55th largest credit union in the state of New York. It is also the 1,209th largest credit union in the nation. It was established in 1940 and as of March of 2025, it had grown to 41 employees and 15,056 members at 2 locations. GHS Federal Credit Union has a C+ health rating.
Field of Membership Restrictions
Membership in GHS Federal Credit Union is open to those who live, work, worship, or attend school in the New York counties of Broome, Chenango or Tioga. Family members of anyone eligible to join also qualify for membership.
See current membership details
Health
C+
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 3841 |
| Year Chartered | 1940 |
| Employees | 41 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -0.38% |
| Return on Equity - YTD | -4.85% |
| Annual Interest Income | $3.3MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $224.3MM$226.5MM |
| Loans | Q1 2025vs Q1 2024 | $159.9MM$158.6MM |
| Deposits | Q1 2025vs Q1 2024 | $204.9MM$209.2MM |
| Equity Capital | Q1 2025vs Q1 2024 | $17.6MM$16.6MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $3MM$2.8MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $7MM$5.5MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $58K$58K |