Side-by-side · Q2 2026 data
Penn South Cooperative vs Gha Federal Credit Union
Credit union
Gha Federal Credit Union
Greenwich, Connecticut · Under $100 million in assets
Metric by metric
| Measure | Penn South Cooperative | Gha Federal Credit Union |
|---|---|---|
| TellerScore | 65 | 91 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 21 | 81 (stronger) |
| Earnings | 69 | 80 (stronger) |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 76 | 98 (stronger) |
| Peer percentile | 30th | 90th |
| Total assets | $8.1M | $29.7M |
| Deposits / shares | $6.7M | $24.4M |
| Capital ratio | 15.08% | 17.51% (stronger) |
| Problem loans | 2.38% | 0.56% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.18% |
| Return on assets | 1.24% | 1.50% (stronger) |
| Loans ÷ deposits | 105.8% | 41.3% (stronger) |
| Uninsured deposits | 2.0% | 0.9% (stronger) |
| 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 65). On the 7 directional measures above (where higher or lower is clearly better), Penn South Cooperative leads on 1 and Gha Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.