Binghamton, NY · Federal Credit Union · Chartered in NY
Who can join
Employer / occupational group
Members
18,850
Net Worth Ratio
9.78%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$246.7M
Total Shares
$217.1M
Total Loans
$163.1M
Net Worth Ratio
9.78%
≥7% = Well Capitalized
Members
18,850
Delinquency Rate (60d+)
4.04%
$6.6M
Loan-to-share ratio: 75.2%· healthy range 60–80%
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 91 | 49 | 23 | 53.9% | 25.3% |
| 2022 | 220 | 149 | 34 | 67.7% | 15.4% |
| 2021 | 178 | 135 | 19 | 75.8% | 10.7% |
No CFPB complaint data available for this credit union.
Main Office
910 Upper Front St, Binghamton, NY, 13905-1337
Lobby: M-F 9am-5pm; Sat 9am-Noon Drive Up: M-F 8:30am-5pm; Sat 9am-Noon
Norwich Branch
35 E Main St, Norwich, NY, 13815
Lobby: M-F 9am-5pm; Sat 9am-Noon Drive Up: M-F 8:30am-5pm; Sat 9am-Noon
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<a href="https://bankscorer.com/credit-union/ghs" target="_blank" rel="noopener">View GHS on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.