Side-by-side · Q2 2026 data
Grand Central Terminal Employees Federal Credit Union vs Gha Federal Credit Union
Credit union
Grand Central Terminal Employees 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 | Grand Central Terminal Employees Federal Credit Union | Gha Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 91 (stronger) |
| Capital cushion | 69 | 100 (stronger) |
| Loan quality | 74 | 81 (stronger) |
| Earnings | 0 | 80 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 28th | 90th |
| Total assets | $6.6M | $29.7M |
| Deposits / shares | $5.8M | $24.4M |
| Capital ratio | 11.93% | 17.51% (stronger) |
| Problem loans | 0.77% | 0.56% (stronger) |
| Net charge-offs | -0.08% (stronger) | 0.18% |
| Return on assets | -0.53% | 1.50% (stronger) |
| Loans ÷ deposits | 21.0% (stronger) | 41.3% |
| Uninsured deposits | 0.0% (stronger) | 0.9% |
| 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 64). On the 7 directional measures above (where higher or lower is clearly better), Grand Central Terminal Employees Federal Credit Union leads on 3 and Gha Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.