Side-by-side · Q2 2026 data
Bank of Richmondville vs Gouverneur Savings and Loan Association
Metric by metric
| Measure | Bank of Richmondville | Gouverneur Savings and Loan Association |
|---|---|---|
| TellerScore | 77 (stronger) | 74 |
| Capital cushion | 65 | 95 (stronger) |
| Loan quality | 94 (stronger) | 67 |
| Earnings | 48 (stronger) | 45 |
| Funding & liquidity | 99 (stronger) | 74 |
| Problem-loan coverage | 99 (stronger) | 91 |
| Peer percentile | 68th | 57th |
| Total assets | $185.9M | $198.9M |
| Deposits / shares | $166.4M | $157.6M |
| Capital ratio | 11.54% | 14.53% (stronger) |
| Problem loans | 0.18% (stronger) | 1.00% |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 0.70% (stronger) | 0.62% |
| Loans ÷ deposits | 50.1% (stronger) | 85.8% |
| Uninsured deposits | 16.3% | 13.9% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.0% | 19.9% |
Bank of Richmondville has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Bank of Richmondville leads on 4 and Gouverneur Savings and Loan Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.