TellerScore

Gha Federal Credit Union is a federal credit union headquartered in Greenwich, Connecticut, in business for about 52 years. At the end of Q2 2026 it reported $29.7M in total assets and $24.4M in member shares and deposits, with 1 office.

Gha Federal Credit Union has a TellerScore of 91 out of 100 (very strong) based on Q2 2026 data — higher than 90% of its 2,479 credit unions with under $100 million in assets. Among 64 credit unions headquartered in Connecticut, it ranks 4th. Capital cushion contributes the most (100/100, 17.51%); earnings contributes the least (80/100, 1.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 17.51%
Loan quality81/100
Loans 60+ days delinquent ÷ total loans: 0.56%
Earnings80/100
Return on assets (annualized): 1.50%
Funding & liquidity100/100
Loans ÷ shares: 41.3% · 0.9% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.08%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (95 → 91), mostly because the loan quality component weakened by 18 points.

TellerScore
899499Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202490
Q3 202489
Q4 202490
Q1 202592
Q2 202595
Q3 202596
Q4 202596
Q1 202699
Q2 202691
Net worth ratio
7.00%12.26%17.51%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.83%
Q3 202414.63%
Q4 202414.80%
Q1 202514.59%
Q2 202514.99%
Q3 202515.65%
Q4 202515.77%
Q1 202616.56%
Q2 202617.51%
Delinquent loans (60+ days)
0.03%0.29%0.56%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.18%
Q3 20240.16%
Q4 20240.18%
Q1 20250.03%
Q2 20250.03%
Q3 20250.08%
Q4 20250.18%
Q1 20260.13%
Q2 20260.56%
Return on assets
1.00%1.54%2.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.44%
Q3 20241.00%
Q4 20241.09%
Q1 20251.22%
Q2 20251.42%
Q3 20251.58%
Q4 20251.73%
Q1 20262.08%
Q2 20261.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202691$29.7M17.51%0.56%1.50%41.3%
Q1 202699$30.9M16.56%0.13%2.08%38.8%
Q4 202596$31.6M15.77%0.18%1.73%38.5%
Q3 202596$30.7M15.65%0.08%1.58%40.0%
Q2 202595$31.1M14.99%0.03%1.42%41.2%
Q1 202592$31.1M14.59%0.03%1.22%41.8%
Q4 202490$30.0M14.80%0.18%1.09%43.7%
Q3 202489$29.6M14.63%0.16%1.00%43.6%
Q2 202490$30.7M13.83%0.18%1.44%39.4%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio17.51%
67th
Problem loans0.56%
56th
Net charge-offs0.18%
49th
Return on assets1.50%
85th
Loans to deposits41.3%
77th
Uninsured deposits0.9%
55th
Loan-loss reserves0.00%
37th
Texas ratio1.1%
65th

Similar-size credit unions in Connecticut

InstitutionScoreAssetsCapitalProblem loansCompare
Bridgeport Police Federal Credit UnionCredit union Bridgeport, CT86 out of 100, Very strong$29.6M18.7%1.65%vs
Greenwich Municipal Employees Federal Credit UnionCredit union Greenwich, CT89 out of 100, Very strong$32.6M14.5%0.87%vs
Norwalk Hospital Credit UnionCredit union Norwalk, CT50 out of 100, Below average$33.0M8.9%1.69%vs
Metropolitan District Employees Credit UnionCredit union Hartford, CT50 out of 100, Below average$34.7M10.4%2.19%vs
Ct Firefighters Federal Credit UnionCredit union Hartford, CT85 out of 100, Very strong$34.7M11.6%0.00%vs
New Haven County Credit UnionCredit union North Haven, CT63 out of 100, Moderate$35.0M10.5%1.92%vs

Deposit insurance

Is my money safe at Gha Federal Credit Union?

Yes. Gha Federal Credit Union is a federally insured credit union (NCUA charter #21774). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.9% of shares and deposits ($213K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 17.51%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Gha Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Gha Federal Credit Union
Type
Federal credit union
NCUA charter #
21774
RSSD ID
292784
Primary regulator
NCUA
Established
1974
Headquarters
5 Perryridge Rd, Greenwich, CT 06830
Employees
4

Quick answers

Gha Federal Credit Union: common questions

Is Gha Federal Credit Union NCUA insured?

Yes. Gha Federal Credit Union is a federally insured credit union (NCUA charter #21774). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Gha Federal Credit Union's TellerScore?

91 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Gha Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Greenwich

InstitutionScoreAssetsCapitalProblem loansCompare
Scf Westchester N. Y. Employees Federal Credit UnionCredit union White Plains, NY93 out of 100, Very strong$1.5M23.8%0.18%vs
B.S. and C.P. Hospitals Employees Federal Credit UnionCredit union Bronx, NY93 out of 100, Very strong$1.0M34.2%0.00%vs
NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs
Greenwich Municipal Employees Federal Credit UnionCredit union Greenwich, CT89 out of 100, Very strong$32.6M14.5%0.87%vs
Latvian Federal Credit UnionCredit union Melville, NY88 out of 100, Very strong$1.8M25.3%0.00%vs
Hana Bank USA, National AssociationBank Fort Lee, NJ88 out of 100, Very strong$835.2M25.4%0.00%vs