Side-by-side · Q2 2026 data
Spring Bank vs Gha Federal Credit Union
Credit union
Gha Federal Credit Union
Greenwich, Connecticut · Under $100 million in assets
Metric by metric
| Measure | Spring Bank | Gha Federal Credit Union |
|---|---|---|
| TellerScore | 85 | 91 (stronger) |
| Capital cushion | 96 | 100 (stronger) |
| Loan quality | 80 | 81 (stronger) |
| Earnings | 88 (stronger) | 80 |
| Funding & liquidity | 61 | 100 (stronger) |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 88th | 90th |
| Total assets | $641.0M | $29.7M |
| Deposits / shares | $549.1M | $24.4M |
| Capital ratio | 14.59% | 17.51% (stronger) |
| Problem loans | 0.60% | 0.56% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.18% |
| Return on assets | 1.71% (stronger) | 1.50% |
| Loans ÷ deposits | 82.1% | 41.3% (stronger) |
| Uninsured deposits | 30.8% | 0.9% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gha Federal Credit Union has the higher TellerScore (91 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Spring Bank leads on 2 and Gha Federal Credit Union on 5. 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.