Side-by-side · Q2 2026 data
Jovia Financial Federal Credit Union vs Gha Federal Credit Union
Credit union
Jovia Financial Federal Credit Union
Westbury, New York · $1 billion – $10 billion
Credit union
Gha Federal Credit Union
Greenwich, Connecticut · Under $100 million in assets
Metric by metric
| Measure | Jovia Financial Federal Credit Union | Gha Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 91 (stronger) |
| Capital cushion | 48 | 100 (stronger) |
| Loan quality | 57 | 81 (stronger) |
| Earnings | 50 | 80 (stronger) |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 79 | 98 (stronger) |
| Peer percentile | 17th | 90th |
| Total assets | $4.6B | $29.7M |
| Deposits / shares | $4.1B | $24.4M |
| Capital ratio | 9.79% | 17.51% (stronger) |
| Problem loans | 1.28% | 0.56% (stronger) |
| Net charge-offs | 0.60% | 0.18% (stronger) |
| Return on assets | 0.74% | 1.50% (stronger) |
| Loans ÷ deposits | 88.7% | 41.3% (stronger) |
| Uninsured deposits | 8.2% | 0.9% (stronger) |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gha Federal Credit Union has the higher TellerScore (91 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Jovia Financial Federal Credit Union leads on 0 and Gha Federal Credit Union on 7. 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.