Side-by-side · Q2 2026 data
Emigrant Mercantile Bank vs Gha Federal Credit Union
Credit union
Gha Federal Credit Union
Greenwich, Connecticut · Under $100 million in assets
Metric by metric
| Measure | Emigrant Mercantile Bank | Gha Federal Credit Union |
|---|---|---|
| TellerScore | 80 | 91 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 81 |
| Earnings | 31 | 80 (stronger) |
| Funding & liquidity | 61 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 66th | 90th |
| Total assets | $3.5M | $29.7M |
| Deposits / shares | $500K | $24.4M |
| Capital ratio | 85.67% (stronger) | 17.51% |
| Problem loans | 0.00% (stronger) | 0.56% |
| Net charge-offs | 0.00% (stronger) | 0.18% |
| Return on assets | 0.29% | 1.50% (stronger) |
| Loans ÷ deposits | 0.0% (stronger) | 41.3% |
| Uninsured deposits | 50.0% | 0.9% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gha Federal Credit Union has the higher TellerScore (91 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Emigrant Mercantile Bank leads on 4 and Gha Federal Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.