Side-by-side · Q2 2026 data
Gardiner Federal Credit Union vs Brewer Federal Credit Union
Metric by metric
| Measure | Gardiner Federal Credit Union | Brewer Federal Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 53 |
| Loan quality | 96 | 97 (stronger) |
| Earnings | 93 (stronger) | 45 |
| Funding & liquidity | 92 (stronger) | 90 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 99th | 60th |
| Total assets | $100.7M | $117.8M |
| Deposits / shares | $84.1M | $105.3M |
| Capital ratio | 15.92% (stronger) | 10.34% |
| Problem loans | 0.12% | 0.08% (stronger) |
| Net charge-offs | 0.14% | 0.13% (stronger) |
| Return on assets | 1.82% (stronger) | 0.63% |
| Loans ÷ deposits | 68.0% (stronger) | 70.5% |
| Uninsured deposits | 7.9% (stronger) | 8.0% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gardiner Federal Credit Union has the higher TellerScore (96 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Gardiner Federal Credit Union leads on 5 and Brewer Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.