Side-by-side · Q2 2026 data
Flagstar Bank, National Association vs Gha Federal Credit Union
Credit union
Gha Federal Credit Union
Greenwich, Connecticut · Under $100 million in assets
Metric by metric
| Measure | Flagstar Bank, National Association | Gha Federal Credit Union |
|---|---|---|
| TellerScore | 31 | 91 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 0 | 81 (stronger) |
| Earnings | 25 | 80 (stronger) |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 32 | 98 (stronger) |
| Peer percentile | 2nd | 90th |
| Total assets | $87.7B | $29.7M |
| Deposits / shares | $67.5B | $24.4M |
| Capital ratio | 9.70% | 17.51% (stronger) |
| Problem loans | 4.97% | 0.56% (stronger) |
| Net charge-offs | 0.58% | 0.18% (stronger) |
| Return on assets | 0.13% | 1.50% (stronger) |
| Loans ÷ deposits | 89.3% | 41.3% (stronger) |
| Uninsured deposits | 28.9% | 0.9% (stronger) |
| Offices | 340 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 35.1% | — |
Gha Federal Credit Union has the higher TellerScore (91 vs 31). On the 7 directional measures above (where higher or lower is clearly better), Flagstar Bank, National Association leads on 0 and Gha Federal Credit Union on 7. 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.