Side-by-side · Q2 2026 data
Gardiner Federal Credit Union vs Capital Area Federal Credit Union
Credit union
Capital Area Federal Credit Union
Augusta, Maine · Under $100 million in assets
Metric by metric
| Measure | Gardiner Federal Credit Union | Capital Area Federal Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 86 |
| Capital cushion | 100 | 100 |
| Loan quality | 96 (stronger) | 80 |
| Earnings | 93 (stronger) | 73 |
| Funding & liquidity | 92 (stronger) | 76 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 99th | 80th |
| Total assets | $100.7M | $71.4M |
| Deposits / shares | $84.1M | $57.7M |
| Capital ratio | 15.92% | 17.65% (stronger) |
| Problem loans | 0.12% (stronger) | 0.59% |
| Net charge-offs | 0.14% | -0.16% (stronger) |
| Return on assets | 1.82% (stronger) | 1.33% |
| Loans ÷ deposits | 68.0% (stronger) | 84.6% |
| Uninsured deposits | 7.9% | 1.9% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gardiner Federal Credit Union has the higher TellerScore (96 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Gardiner Federal Credit Union leads on 4 and Capital Area Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.