Side-by-side · Q2 2026 data
Ghs Federal Credit Union vs Niagara'S Choice Federal Credit Union
Credit union
Niagara'S Choice Federal Credit Union
Niagara Falls, New York · $100 million – $1 billion
Metric by metric
| Measure | Ghs Federal Credit Union | Niagara'S Choice Federal Credit Union |
|---|---|---|
| TellerScore | 46 | 66 (stronger) |
| Capital cushion | 47 | 59 (stronger) |
| Loan quality | 0 | 61 (stronger) |
| Earnings | 85 (stronger) | 51 |
| Funding & liquidity | 83 | 96 (stronger) |
| Problem-loan coverage | 28 | 88 (stronger) |
| Peer percentile | 3rd | 37th |
| Total assets | $252.7M | $265.4M |
| Deposits / shares | $217.1M | $239.1M |
| Capital ratio | 9.68% | 10.89% (stronger) |
| Problem loans | 4.90% | 1.17% (stronger) |
| Net charge-offs | 1.11% | 0.17% (stronger) |
| Return on assets | 1.62% (stronger) | 0.77% |
| Loans ÷ deposits | 77.3% | 64.4% (stronger) |
| Uninsured deposits | 5.3% | 1.6% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.2% | 28.0% |
Niagara'S Choice Federal Credit Union has the higher TellerScore (66 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Ghs Federal Credit Union leads on 1 and Niagara'S Choice Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.