GHS

Charter #3841 | NY

100M-500M (1077 CUs) Micro
52 100M-500M in NY

GHS has 4 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 27.1% in tier
  • + Relationship Depth Leader: Top 28.3% in tier
  • + Wallet Share Momentum: Top 31.7% in tier
  • + Net Interest Margin 1.06% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 5.0% in tier
  • - Growth-at-Risk: Bottom 15.8% in tier
  • - Deposit Outflow: Bottom 16.3% in tier
  • - Indirect Auto Dependency: Bottom 24.4% in tier
  • - Membership Headwinds: Bottom 25.1% in tier
  • - Stagnation Risk: Bottom 26.2% in tier
  • - ROA 0.31% below tier average
  • - Delinquency rate 3.72% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 0.5% in tier
  • - Net Charge-Off Rate: Bottom 3.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NY) National Avg Tier Percentile
Members 15,981
-1.4% YoY-0.5% QoQ
 +352 15,628
-3.4% YoY
 25,964
+5.4% YoY
 33,089
+6.1% YoY
 61st in tier
Assets $227.8M
+0.1% YoY+0.4% QoQ
 $-3.5M $231.3M
-0.0% YoY
 $471.3M
+6.4% YoY
 $547.7M
+7.8% YoY
 58th in tier
Loans $161.9M
+1.9% YoY+0.4% QoQ
 +$14.1M $147.8M
-1.4% YoY
 $316.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 65th in tier
Deposits $207.3M
-0.7% YoY-0.1% QoQ
 +$7.0M $200.3M
-0.0% YoY
 $400.0M
+7.6% YoY
 $464.6M
+9.3% YoY
 61st in tier
ROA 0.5%
+23.5% YoY+96.3% QoQ
 -0.3% 0.8%
+15.5% YoY
 0.9%
+294.0% YoY
 0.7%
+273.4% YoY
 31st in tier
NIM 4.6%
+6.2% YoY+1.4% QoQ
 +1.1% 3.6%
+6.9% YoY
 3.6%
+5.0% YoY
 3.7%
+5.0% YoY
 Top 6.7% in tier
Efficiency Ratio 68.5%
-16.9% YoY-2.2% QoQ
 -8.8% 77.3%
-3.0% YoY
 80.1%
-6.2% YoY
 79.1%
-3.3% YoY
 Bottom 22.4% in tier
Delinquency Rate 4.6%
+13.3% YoY+8.5% QoQ
 +3.7 0.9%
+7.6% YoY
 1.7%
-8.3% YoY
 1.2%
-0.9% YoY
 Top 0.5% in tier
Loan To Share 78.1%
+2.6% YoY+0.5% QoQ
 +5.4% 72.7%
-1.5% YoY
 61.5%
-2.3% YoY
 68.0%
-1.7% YoY
 58th in tier
AMR $23,099
+1.8% YoY+0.7% QoQ
 $-1K $24,363
+2.9% YoY
 $19,040
-21.7% YoY
 $19,418
+1.3% YoY
 54th in tier
CD Concentration 25.6%
+27.8% YoY+5.2% QoQ
 +1.2% 24.4%
+4.2% YoY
 15.9%
+8.4% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 26.5%
-8.3% YoY-0.5% QoQ
 +12.6% 14.0%
-5.8% YoY
 2.6%
-3.7% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#509 of 627 • Top 27.1% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.48%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -1.39%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#780 of 1006 • Top 28.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.81%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.8K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#875 of 1006 • Top 31.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.81%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (6)

Credit Quality Pressure

risk
#126 of 736 • Bottom 5.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.54% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Growth-at-Risk

risk
#237 of 446 • Bottom 15.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 1.88%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.54% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Deposit Outflow

decline
#97 of 114 • Bottom 16.3% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -0.74%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $227.78M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
114 of 1077 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#393 of 525 • Bottom 24.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 0.14%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 26.52%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -1.39%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Membership Headwinds

decline
#414 of 550 • Bottom 25.1% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.39%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Stagnation Risk

risk
#432 of 550 • Bottom 26.2% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.48%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.39%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $23.1K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 25.59%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (3 metrics)

72
Net Interest Margin (NIM)
profitability
Value: 4.65%
Peer Avg: 3.58%
#72 of 1077 Top 6.6% in 100M-500M tier
212
First Mortgage Concentration (%)
balance_sheet
Value: 14.65%
Peer Avg: 30.43%
#212 of 1077 Top 19.6% in 100M-500M tier
242
Efficiency Ratio
profitability
Value: 68.52%
Peer Avg: 77.28%
#242 of 1077 Top 22.4% in 100M-500M tier

Top Weaknesses (6 metrics)

1073
Total Delinquency Rate (60+ days)
risk
Value: 4.58%
Peer Avg: 0.86%
#1073 of 1077 Bottom 0.5% in 100M-500M tier
1046
Net Charge-Off Rate
risk
Value: 1.63%
Peer Avg: 0.47%
#1046 of 1077 Bottom 3.0% in 100M-500M tier
935
Net Worth Ratio
risk
Value: 9.02%
Peer Avg: 12.15%
#935 of 1077 Bottom 13.3% in 100M-500M tier
927
Deposit Growth Rate
growth
Value: -0.74%
Peer Avg: 4.69%
#927 of 1077 Bottom 14.0% in 100M-500M tier
871
Asset Growth Rate
growth
Value: 0.14%
Peer Avg: 4.70%
#871 of 1077 Bottom 19.2% in 100M-500M tier
862
Indirect Auto Concentration (%)
balance_sheet
Value: 26.52%
Peer Avg: 13.34%
#862 of 1077 Bottom 20.1% in 100M-500M tier