Side-by-side · Q2 2026 data
Ghs Federal Credit Union vs Western Division Federal Credit Union
Credit union
Western Division Federal Credit Union
Williamsville, New York · $100 million – $1 billion
Metric by metric
| Measure | Ghs Federal Credit Union | Western Division Federal Credit Union |
|---|---|---|
| TellerScore | 46 | 91 (stronger) |
| Capital cushion | 47 | 98 (stronger) |
| Loan quality | 0 | 91 (stronger) |
| Earnings | 85 | 98 (stronger) |
| Funding & liquidity | 83 (stronger) | 66 |
| Problem-loan coverage | 28 | 97 (stronger) |
| Peer percentile | 3rd | 96th |
| Total assets | $252.7M | $223.9M |
| Deposits / shares | $217.1M | $190.3M |
| Capital ratio | 9.68% | 14.80% (stronger) |
| Problem loans | 4.90% | 0.27% (stronger) |
| Net charge-offs | 1.11% | 0.07% (stronger) |
| Return on assets | 1.62% | 1.96% (stronger) |
| Loans ÷ deposits | 77.3% (stronger) | 94.2% |
| Uninsured deposits | 5.3% | 3.9% (stronger) |
| Offices | 2 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 21.2% | 13.5% |
Western Division Federal Credit Union has the higher TellerScore (91 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Ghs Federal Credit Union leads on 1 and Western Division Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.