Side-by-side · Q2 2026 data
Bank of Cattaraugus vs Gowanda Area Federal Credit Union
Credit union
Gowanda Area Federal Credit Union
Gowanda, New York · Under $100 million in assets
Metric by metric
| Measure | Bank of Cattaraugus | Gowanda Area Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 99 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 61 | 100 (stronger) |
| Earnings | 64 | 96 (stronger) |
| Funding & liquidity | 94 | 100 (stronger) |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 30th | 99th |
| Total assets | $31.0M | $33.5M |
| Deposits / shares | $27.4M | $28.1M |
| Capital ratio | 10.32% | 16.06% (stronger) |
| Problem loans | 1.16% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.10% | 1.91% (stronger) |
| Loans ÷ deposits | 64.0% | 45.0% (stronger) |
| Uninsured deposits | 16.8% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gowanda Area Federal Credit Union has the higher TellerScore (99 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Bank of Cattaraugus leads on 1 and Gowanda Area Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.