Side-by-side · Q2 2026 data
NBT Bank, National Association vs Ghs Federal Credit Union
Metric by metric
| Measure | NBT Bank, National Association | Ghs Federal Credit Union |
|---|---|---|
| TellerScore | 64 (stronger) | 46 |
| Capital cushion | 45 | 47 (stronger) |
| Loan quality | 82 (stronger) | 0 |
| Earnings | 68 | 85 (stronger) |
| Funding & liquidity | 44 | 83 (stronger) |
| Problem-loan coverage | 93 (stronger) | 28 |
| Peer percentile | 46th | 3rd |
| Total assets | $16.1B | $252.7M |
| Deposits / shares | $13.7B | $217.1M |
| Capital ratio | 9.49% | 9.68% (stronger) |
| Problem loans | 0.55% (stronger) | 4.90% |
| Net charge-offs | 0.16% (stronger) | 1.11% |
| Return on assets | 1.21% | 1.62% (stronger) |
| Loans ÷ deposits | 85.8% | 77.3% (stronger) |
| Uninsured deposits | 42.5% | 5.3% (stronger) |
| Offices | 174 | 2 |
| CFPB complaints (3 yrs) | 127 | — |
| Complaints per $1B deposits | 9.3 | — |
| Mortgage denial rate (HMDA) | 23.4% | 21.2% |
NBT Bank, National Association has the higher TellerScore (64 vs 46). On the 7 directional measures above (where higher or lower is clearly better), NBT Bank, National Association leads on 3 and Ghs Federal Credit Union on 4. 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.
Where both have branches
- Norwich, NY
- Binghamton, NY