# GHS
Binghamton, NY · NCUA charter 3841 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ghs-3841

Who the members are: federal charter, community charter, organized 1940, low-income designated. 18,850 members of 300,000 potential (6.3% of the field); checking penetration 61% (share draft accounts per 100 members); loans per 100 members 68.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $246.7M |
| Members | 18,850 (25.2% YoY) |
| Full-time staff | 40 |
| Net worth | $22.8M |
| Net worth ratio | 9.3% (p19 of band) |
| ROA (annualized) | 2.64% (p99 of band) |
| Total delinquency | 4.57% (p100 of band) |
| Net charge-offs (annualized) | 1.00% (p88 of band) |
| Loans / shares | 75% (p50 of band) |
| Cash / assets | 10.5% |
| Borrowings / assets | 2.43% |
| Net interest margin | 4.87% (p98 of band) |
| Operating expense / assets | 3.91% (p59 of band) |
| Vehicles % of loans | 49% (p80 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 54% |
| Third-party paper % of net worth | 191% (p79 of band) |
| Vehicle delinquency | 6.45% (p100 of band) |
| Vehicle NCO | 1.11% (p74 of band) |
| Repossessed % of vehicle book | 0.15% (p81 of band) |
| Real estate % of loans | 30% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 55% |
| Core shares % of member funds | 54% |
| Certificates % of member funds | 26% |
| Average share balance | $5,943 |
| Participations bought / yr | $693,248 |
| Participations sold / yr | $0 |
| Participations outstanding | $6.0M |
| Loans outstanding per 100 members | 68% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $12,656 |
| Loans granted, annualized | $52.1M |

## Participation posture (from the same filings)

Bought $693,248 and sold $0 in the latest annualized quarter; $6.0M outstanding purchased (26.5% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 5.9% year over year.

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 3 | losing money, delinquency rising |  |
| 2017-06 | 2 | net worth falling | losing money, delinquency rising |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | delinquency 2x band |  |
| 2018-06 | 4 | net worth falling, delinquency rising |  |
| 2018-09 | 2 |  | net worth falling, delinquency rising |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | loans>95% of shares |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 | charge-offs p90 | loans>95% of shares |
| 2020-06 | 7 | thin capital, net worth falling, losing money, margin squeeze |  |
| 2020-09 | 7 |  |  |
| 2020-12 | 7 |  |  |
| 2021-03 | 6 |  | losing money |
| 2021-06 | 4 |  | net worth falling, margin squeeze |
| 2021-09 | 5 | margin squeeze |  |
| 2021-12 | 5 |  |  |
| 2022-03 | 4 |  | margin squeeze |
| 2022-06 | 5 | delinquency rising |  |
| 2022-09 | 5 | assets shrinking | delinquency rising |
| 2022-12 | 4 |  | assets shrinking |
| 2023-03 | 4 |  |  |
| 2023-06 | 3 |  | thin capital |
| 2023-09 | 4 | thin capital |  |
| 2023-12 | 5 | net worth falling |  |
| 2024-03 | 3 |  | thin capital, net worth falling |
| 2024-06 | 3 |  |  |
| 2024-09 | 5 | expense trap, members leaving |  |
| 2024-12 | 7 | thin capital, net worth falling |  |
| 2025-03 | 6 | losing money | expense trap, net worth falling |
| 2025-06 | 5 |  | losing money |
| 2025-09 | 3 |  | members leaving, thin capital |
| 2025-12 | 3 |  |  |
| 2026-03 | 2 |  | charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-02 [GHS Federal Credit Union sponsors charity golf tournament - WIVT - News 34](https://news.google.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?oc=5) · WIVT - News 34
- 2026-01-05 [GHS Federal Credit Union selects Scienaptic AI to Enable Smarter Lending - Business Wire](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNUjVjaE5fd2RNenNmVXY1d3dnVVZzZzJmamNxRk9hNzdGb21haXl0U3BMSk9xQjFiTkw5aHRMLXlDNUJfY0JsVVRaX0xjVzRya3pfUGVibUk2V1N1YTVTVTBLSlBNZmw1Y0F1dWt4NE9rWDBLSXpRMjlDMU44Z1F0MFQtYmpiM3RYWDVrbk1TanJIc1BObW9UTlVoazRsRlNTN1JGQ19pUXRFTEtWSmtjR0xwX0QyNVBiQmJuYUI0NDlDMUczRmJBXw?oc=5) · Business Wire
- 2026-07-21 [GHS Federal Credit Union to host Hometown Heroes Golf Classic - WIVT - News 34](https://news.google.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?oc=5) · WIVT - News 34
- 2025-05-19 [Cornerstone Community Financial C.U. Names Shawn Wolbert CFO - DBusiness Magazine](https://news.google.com/rss/articles/CBMimAFBVV95cUxQVVNoYU9vTVdMUV9tdF9zU3FGbnRwM3I0VDVxOGxxelpMNHJBRjJwaUJTYzYzLTd0NjVheGpsNTQ4cnE3LUFrSkZNM3JIWlNUVUNtMm1ieFRTNWpwc19QZFAxcnZrTUlsWURKSUstSUtabF9mRnI2ZnN6WHY0Y0cyWHVhM1ZUUFhzZ0I2YzgtbVBmVlRtM2xscw?oc=5) · DBusiness Magazine
- 2026-04-17 [Free shred event in Binghamton helps American Heart Association - Press & Sun-Bulletin](https://news.google.com/rss/articles/CBMivAFBVV95cUxPSW00SkNaZzZ0bUZ5NjEzZVA4Ml9MX3F6NWJjZnhWcEhVQTRNV3lZN0M0ei12OFJXd3BxazF3eGhGLXFVMktNdFBEckVta09QRWhteTJlWklickpIYm1sZzNHVU40NEotSjN4VlZTUS11WGpKVmNvR2VuVkowaGNsLTVKTjJEMHI0VG5VRUVkT1dpU1VIcF9QRkw2WVI5dHZKMm04QXVCVURZT0M2UXVmaE5oT0ZIZ3c5YW5YXw?oc=5) · Press & Sun-Bulletin
- 2020-08-31 [Lehigh Valley credit union People First names new CEO - The Morning Call](https://news.google.com/rss/articles/CBMikAFBVV95cUxPTEwzVlhaNGwxd2Z5T3VkV1Fydm9jZXhaLXE3VWpaclo1dGFuaWZWaGF1bXVJT1gzbkNtWXVKUG9jVXo5RFh4UFNxU01ibkg1bVl4YjFnS3hULVEyOGk5MkZVWjNpRzNGNXRZaC1fXzRQdmVwN1NpeGEwQW9tMUx4MWRXcUVSa2QyOWFMMHRWN0E?oc=5) · The Morning Call
- 2024-10-04 [Six men stole over $400,000 in ‘ATM jackpotting’ scheme in Upstate NY, Syracuse, prosecutors say - Syracuse.com](https://news.google.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?oc=5) · Syracuse.com
- 2023-03-03 [CFPB Announces Appointments of New Advisory Committee Members - newswire.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxPbUd3Wk1EZTlRNGxjV19qcktDeDRhVHJEM09hUDB5OTBwLXpjLTNPOUtZb3JXQTN6aDRlc2FWSzNlbGNvRGpaZVZBLXc4eXdrdzBoR1B3aFlVWnBoVGEzOE1JM3FLckxnZ05jUE9DV0FpUWVZVS1TRDRTbFJKMDlpbnhnRTZmOTJvbXhnVHFVc2FmcDlhRElRVHJPTlM4bnlTWlE?oc=5) · newswire.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3841 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/1.json (key "3841", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=3841
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide