Side-by-side · Q2 2026 data
Ponce Bank, National Association vs Gha Federal Credit Union
Credit union
Gha Federal Credit Union
Greenwich, Connecticut · Under $100 million in assets
Metric by metric
| Measure | Ponce Bank, National Association | Gha Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 91 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 73 | 81 (stronger) |
| Earnings | 66 | 80 (stronger) |
| Funding & liquidity | 45 | 100 (stronger) |
| Problem-loan coverage | 91 | 98 (stronger) |
| Peer percentile | 83rd | 90th |
| Total assets | $3.5B | $29.7M |
| Deposits / shares | $2.3B | $24.4M |
| Capital ratio | 15.81% | 17.51% (stronger) |
| Problem loans | 0.81% | 0.56% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.18% |
| Return on assets | 1.15% | 1.50% (stronger) |
| Loans ÷ deposits | 126.1% | 41.3% (stronger) |
| Uninsured deposits | 20.1% | 0.9% (stronger) |
| Offices | 14 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.8% | — |
Gha Federal Credit Union has the higher TellerScore (91 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Ponce Bank, National Association 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.