Identify your institution
Data sourced from FIIP · latest available call report period
Your FDIC certificate number appears at the top of any call report filing.
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Institution too large for standard calculator.
Institutions over $5B in total assets require a customized GoH engagement. Please contact your GoH representative to discuss a tailored analysis.
Institutions over $5B in total assets require a customized GoH engagement. Please contact your GoH representative to discuss a tailored analysis.
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Total assets
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Live · FIIP
ROAA
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Live · FIIP
Net interest margin
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Live · FIIP
Closest peers
By geography & asset size · same regulator
2
Set growth assumptions
Adjust to reflect realistic GoH onboarding targets for your institution
3
8-quarter projected impact
Q1 2026 through Q4 2027 · institution-side revenue from GoH-originated accounts
Cumulative net revenue
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to the institution · after tax · 8 quarters
ROAA lift
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basis points · Q4 2027
Deposit users
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end of Q4 2027
Borrowers
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end of Q4 2027
GoH deposit balances originated
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Q4 2027
GoH credit balances originated
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Q4 2027
Revenue = deposit NII + credit NII + interchange, net of deposit interest paid and credit defaults, after 25.74% effective tax rate. Deposit spread 3.25% · Credit net spread 5.0% · Interchange 1.0% on active card spend ($500/mo assumed).
Attrition: deposits 2.5% annual · credit 0.5% annual, applied quarterly (annual ÷ 4). Q1 2026 is the implementation quarter — new account origination begins Q2 2026. Total assets from FIIP are used as the denominator in ROAA lift calculations.
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Addressable market across your footprint
Per-state population & household reach for the three GoH product lines
Census data
Total reachable customers
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across — state(s)
Annual revenue ceiling
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if every eligible resident enrolled
Branches in footprint
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physical locations served
Footprint population
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latest Census
GoHHSA · health savings
GoHcredit · medical lending
GoHpts · healthcare rewards
| State | Branches | Population | HSA users | Credit users | Pts users | Annual revenue | Mix |
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Note: TAM is the theoretical ceiling across prime working-age residents (ages 25–65) in your branch states. Total reachable customers counts distinct people reachable by at least one product (not the sum of the three columns, which would count one resident up to three times). Real penetration is typically 1–5% for new partner products. Unit economics use industry-midpoint defaults (HSA: 30% HDHP coverage × $3,800 balance; Credit: 60% of cohort × $2,500 balance; Pts: 95% of cohort × $5K healthcare spend × 1% interchange). GoH's actual numbers will shift these.
Ready for a full analysis?
Your GoH representative can run a complete 5-phase model using your actual call report data — including trend-based projections and peer benchmarking.