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
- 15,948
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Poor financial health. One or more key ratios are below NCUA thresholds. All deposits remain federally insured up to $250,000.
Financial Overview
Total Assets
Members
15,948 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | GHS |
|---|---|
| Total Assets | $232.2M |
| Members | 15,948 |
| Loans Outstanding | $162.3M |
| Shares & Deposits | $210.2M |
| Net Worth | $21.2M |
| Net Worth Ratio | 9.30% |
| Loan-to-Share Ratio | 77.2% |
| Delinquency Rate | 4.66% |
| Net Income | +$4,877,477 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View New York RankingsFrequently Asked Questions
Yes. GHS is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, GHS has 15,948 members and a potential membership field of 300,000 people.
GHS's net worth ratio is 9.30% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.3%, GHS meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or GHS. All financial data is for informational purposes only.