GHS Credit Union Profile

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GHS

Charter #3841 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (607) 723-7962

Fax:

Founding Date: N/A

Website: http://www.ghsfcu.com

Personnel & Operations

President: Aurelio, Jason

Manager: Williams, Chad

FT Employees: 42

PT Employees: 4

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 2

Hours: Lobby: M-F 9am-5pm; Sat 9am-Noon Drive Up:

Credit Union Profile Summary

GHS is a FCU Credit Union. With a total of 16,069 members [1], this institution manages approximately $226,978,859 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 8.79% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 0.45% [1].

Financial Snapshot

Total Assets [1]
$226,978,859

Total economic resources.

Total Loans [1]
$161,281,974

Total value of outstanding loans.

Total Deposits [1]
$207,450,297

Total funds deposited by members.

Members [1]
16,069

Number of active members.

Performance Ratios

Net Worth Ratio [1]
8.79%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.24%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
77.74%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -0.92%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 0.45%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -19.72%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

910 Upper Front St

Binghamton, NY, 13905-1337
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 3 branches reported by GHS (Charter #3841).

Main Office

Main Office Main Office

Type: Corporate Office

910 Upper Front St

Binghamton, NY 13905-1337

Phone: (607) 723-7962

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Binghamton

Court St Branch

Type: Branch Office

105 Court St

Binghamton, NY 13901

Phone: (607) 723-7962

Services: Member Services, ATM

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Norwich

Norwich Branch

Type: Branch Office

35 E Main St

Norwich, NY 13815

Phone: (607) 334-6461

Services: Member Services, ATM, Drive-Thru

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