GHS
Federal • Binghamton, New York • Est. 1940
Quick Facts
- Charter Number
- #3841
- Type
- Federal
- Established
- 1940
- Headquarters
- Binghamton, New York 13905-1337
- Address
- 910 Upper Front St
- Branches
- 2
- ATMs
- 2
- Members
- 18,850
- Membership Type
- Other/Unknown
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 4% and a delinquency rate below 5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
18,850 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | GHS |
|---|---|
| Total Assets | $246.7M |
| Members | 18,850 |
| Loans Outstanding | $163.1M |
| Shares & Deposits | $217.1M |
| Net Worth | $22.8M |
| Net Worth Ratio | 9.78% |
| Loan-to-Share Ratio | 75.2% |
| Delinquency Rate | 4.57% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
2 locations · 2 ATMs
Main Office
Main Office910 Upper Front St
Binghamton, NY 13905-1337
Norwich Branch
35 E Main St
Norwich, NY 13815
Who Can Join GHS?
Membership Type: Other/Unknown
Membership eligibility for GHS may vary. Contact the credit union directly to confirm qualification requirements.
Contact GHS directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in New York
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View New York RankingsFrequently Asked Questions
GHS is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, GHS has 18,850 members and a potential membership field of 300,000 people.
GHS's reported net worth ratio is 9.78% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
GHS operates 2 branch locations and has access to 2 ATMs. The main office is located at 910 Upper Front St, Binghamton, NY 13905-1337.
GHS was established in 1940. It is a federal credit union chartered under charter number 3841. The institution has been serving members for 86 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or GHS. All financial data is for informational purposes only.