Side-by-side · Q2 2026 data
Bank of Holland 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 Holland | Gowanda Area Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 99 (stronger) |
| Capital cushion | 38 | 100 (stronger) |
| Loan quality | 89 | 100 (stronger) |
| Earnings | 75 | 96 (stronger) |
| Funding & liquidity | 80 | 100 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 43rd | 99th |
| Total assets | $261.6M | $33.5M |
| Deposits / shares | $234.1M | $28.1M |
| Capital ratio | 8.77% | 16.06% (stronger) |
| Problem loans | 0.33% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.38% | 1.91% (stronger) |
| Loans ÷ deposits | 78.1% | 45.0% (stronger) |
| Uninsured deposits | 16.6% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.7% | — |
Gowanda Area Federal Credit Union has the higher TellerScore (99 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Bank of Holland leads on 1 and Gowanda Area Federal Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.