Side-by-side · Q2 2026 data
First Federal Savings and Loan Association of Bath vs Gardiner Federal Credit Union
Bank
First Federal Savings and Loan Association of Bath
Bath, Maine · $100 million – $1 billion
Metric by metric
| Measure | First Federal Savings and Loan Association of Bath | Gardiner Federal Credit Union |
|---|---|---|
| TellerScore | 54 | 96 (stronger) |
| Capital cushion | 98 | 100 (stronger) |
| Loan quality | 4 | 96 (stronger) |
| Earnings | 40 | 93 (stronger) |
| Funding & liquidity | 59 | 92 (stronger) |
| Problem-loan coverage | 72 | 99 (stronger) |
| Peer percentile | 10th | 99th |
| Total assets | $189.1M | $100.7M |
| Deposits / shares | $144.4M | $84.1M |
| Capital ratio | 14.79% | 15.92% (stronger) |
| Problem loans | 2.89% | 0.12% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.14% |
| Return on assets | 0.49% | 1.82% (stronger) |
| Loans ÷ deposits | 101.6% | 68.0% (stronger) |
| Uninsured deposits | 6.5% (stronger) | 7.9% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.7% | — |
Gardiner Federal Credit Union has the higher TellerScore (96 vs 54). On the 7 directional measures above (where higher or lower is clearly better), First Federal Savings and Loan Association of Bath leads on 2 and Gardiner Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.