Side-by-side · Q2 2026 data
Gha Federal Credit Union vs Urban Upbound Federal Credit Union
Credit union
Gha Federal Credit Union
Greenwich, Connecticut · Under $100 million in assets
Credit union
Urban Upbound Federal Credit Union
Long Island CIT, New York · Under $100 million in assets
Metric by metric
| Measure | Gha Federal Credit Union | Urban Upbound Federal Credit Union |
|---|---|---|
| TellerScore | 91 (stronger) | 53 |
| Capital cushion | 100 (stronger) | 48 |
| Loan quality | 81 (stronger) | 52 |
| Earnings | 80 (stronger) | 3 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 90th | 12th |
| Total assets | $29.7M | $2.2M |
| Deposits / shares | $24.4M | $1.9M |
| Capital ratio | 17.51% (stronger) | 9.79% |
| Problem loans | 0.56% (stronger) | 1.44% |
| Net charge-offs | 0.18% | 0.00% (stronger) |
| Return on assets | 1.50% (stronger) | -0.42% |
| Loans ÷ deposits | 41.3% | 5.9% (stronger) |
| Uninsured deposits | 0.9% | 0.0% (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 53). On the 7 directional measures above (where higher or lower is clearly better), Gha Federal Credit Union leads on 4 and Urban Upbound 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.