Side-by-side · Q2 2026 data
Cattaraugus County Bank 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 | Cattaraugus County Bank | Gowanda Area Federal Credit Union |
|---|---|---|
| TellerScore | 61 | 99 (stronger) |
| Capital cushion | 63 | 100 (stronger) |
| Loan quality | 42 | 100 (stronger) |
| Earnings | 48 | 96 (stronger) |
| Funding & liquidity | 95 | 100 (stronger) |
| Problem-loan coverage | 82 | 100 (stronger) |
| Peer percentile | 20th | 99th |
| Total assets | $384.7M | $33.5M |
| Deposits / shares | $338.2M | $28.1M |
| Capital ratio | 11.26% | 16.06% (stronger) |
| Problem loans | 1.73% | 0.00% (stronger) |
| Net charge-offs | 0.71% | 0.02% (stronger) |
| Return on assets | 0.71% | 1.91% (stronger) |
| Loans ÷ deposits | 63.6% | 45.0% (stronger) |
| Uninsured deposits | 16.4% | 0.0% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | 93 | — |
| Complaints per $1B deposits | 275.0 | — |
| Mortgage denial rate (HMDA) | 10.0% | — |
Gowanda Area Federal Credit Union has the higher TellerScore (99 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Cattaraugus County Bank leads on 0 and Gowanda Area Federal Credit Union on 7. 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.