Side-by-side · Q2 2026 data
Bath Savings Institution vs Gardiner Federal Credit Union
Metric by metric
| Measure | Bath Savings Institution | Gardiner Federal Credit Union |
|---|---|---|
| TellerScore | 82 | 96 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 98 (stronger) | 96 |
| Earnings | 50 | 93 (stronger) |
| Funding & liquidity | 49 | 92 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 93rd | 99th |
| Total assets | $1.5B | $100.7M |
| Deposits / shares | $1.2B | $84.1M |
| Capital ratio | 15.76% | 15.92% (stronger) |
| Problem loans | 0.05% (stronger) | 0.12% |
| Net charge-offs | -0.03% (stronger) | 0.14% |
| Return on assets | 0.74% | 1.82% (stronger) |
| Loans ÷ deposits | 75.4% | 68.0% (stronger) |
| Uninsured deposits | 47.4% | 7.9% (stronger) |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.8% | — |
Gardiner Federal Credit Union has the higher TellerScore (96 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Bath Savings Institution leads on 2 and Gardiner Federal Credit Union on 5. 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.