Side-by-side · Q2 2026 data
Empirt 207 Federal Credit Union vs Gha Federal Credit Union
Credit union
Empirt 207 Federal Credit Union
New York, New York · Under $100 million in assets
Credit union
Gha Federal Credit Union
Greenwich, Connecticut · Under $100 million in assets
Metric by metric
| Measure | Empirt 207 Federal Credit Union | Gha Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 91 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 81 (stronger) |
| Earnings | 39 | 80 (stronger) |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 88 | 98 (stronger) |
| Peer percentile | 19th | 90th |
| Total assets | $3.6M | $29.7M |
| Deposits / shares | $2.5M | $24.4M |
| Capital ratio | 30.28% (stronger) | 17.51% |
| Problem loans | 3.22% | 0.56% (stronger) |
| Net charge-offs | 1.19% | 0.18% (stronger) |
| Return on assets | 0.48% | 1.50% (stronger) |
| Loans ÷ deposits | 83.7% | 41.3% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 0.9% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gha Federal Credit Union has the higher TellerScore (91 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Empirt 207 Federal Credit Union leads on 2 and Gha Federal Credit Union on 5. 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.