Side-by-side · Q2 2026 data
First National Bank vs Gardiner Federal Credit Union
Metric by metric
| Measure | First National Bank | Gardiner Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 96 (stronger) |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 75 | 96 (stronger) |
| Earnings | 69 | 93 (stronger) |
| Funding & liquidity | 68 | 92 (stronger) |
| Problem-loan coverage | 87 | 99 (stronger) |
| Peer percentile | 33rd | 99th |
| Total assets | $3.2B | $100.7M |
| Deposits / shares | $2.7B | $84.1M |
| Capital ratio | 9.20% | 15.92% (stronger) |
| Problem loans | 0.75% | 0.12% (stronger) |
| Net charge-offs | 0.20% | 0.14% (stronger) |
| Return on assets | 1.22% | 1.82% (stronger) |
| Loans ÷ deposits | 89.5% | 68.0% (stronger) |
| Uninsured deposits | 17.2% | 7.9% (stronger) |
| Offices | 18 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
Gardiner Federal Credit Union has the higher TellerScore (96 vs 64). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 0 and Gardiner 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.