Side-by-side · Q2 2026 data
Habib American Bank vs Gha Federal Credit Union
Credit union
Gha Federal Credit Union
Greenwich, Connecticut · Under $100 million in assets
Metric by metric
| Measure | Habib American Bank | Gha Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 91 (stronger) |
| Capital cushion | 35 | 100 (stronger) |
| Loan quality | 76 | 81 (stronger) |
| Earnings | 60 | 80 (stronger) |
| Funding & liquidity | 70 | 100 (stronger) |
| Problem-loan coverage | 90 | 98 (stronger) |
| Peer percentile | 24th | 90th |
| Total assets | $2.8B | $29.7M |
| Deposits / shares | $2.4B | $24.4M |
| Capital ratio | 8.49% | 17.51% (stronger) |
| Problem loans | 0.73% | 0.56% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.18% |
| Return on assets | 0.99% | 1.50% (stronger) |
| Loans ÷ deposits | 78.1% | 41.3% (stronger) |
| Uninsured deposits | 25.7% | 0.9% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gha Federal Credit Union has the higher TellerScore (91 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Habib American Bank leads on 1 and Gha Federal Credit Union on 6. 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.