Sep, 30, 2025 — GHS FEDERAL CREDIT UNION is a federal credit union headquartered in BINGHAMTON, NY with 2 branch locations and about $227.78 million in total assets. Opened 86 years ago in 1940, GHS FEDERAL CREDIT UNION has about 15,981 members and employs 43 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | GHS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 910 Upper Front St BINGHAMTON, NY 13905-1337 |
| Phone: | (607) 723-7962 |
| Fax: | |
| Website: | https://www.ghsfcu.com |
| Branches: | 2 branch locations |
| Members: | 15,981 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 3841 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1940 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $227,775,742 |
| CEO/Manager: | Chad Williams |
| Chairperson: | Jason Aurelio |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 10,277,682 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 49,892,550 |
| Unsecured Loans | 15,781,799 |
| Other Loans | 96,198,998 |
| TOTAL LOANS | 161,873,347 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -3,112,723 |
| Land And Building | 2,359,541 |
| Other Fixed Assets | 801,561 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,982,259 |
| All Other Assets | 182,924 |
| TOTAL ASSETS | 227,775,742 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,306,031 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 44,004,698 |
| Regular shares | 69,772,320 |
| All Other Shares & Deposits | 93,499,973 |
| TOTAL SHARES & DEPOSITS | 207,276,992 |
| TOTAL LIABILITIES | 208,583,023 |
| Regular Reserve | 0 |
| Other Reserves | -682,176 |
| Undivided Earnings | 19,874,895 |
| TOTAL EQUITY | 19,192,719 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 227,775,742 |
| INCOME & EXPENSE | |
| Loan Income | 9,374,179 |
| Investment Income | 836,890 |
| Other Income | 2,045,337 |
| Total Employee Compensation & Benefits | 2,614,155 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 4,379,789 |
| Non-operating Income & (Expense) | -58 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 2,394,109 |
| Cost of Funds | 2,288,343 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 819,819 |
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