Side-by-side · Q2 2026 data
Gardiner Federal Credit Union vs Evergreen Credit Union
Metric by metric
| Measure | Gardiner Federal Credit Union | Evergreen Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 55 |
| Capital cushion | 100 (stronger) | 30 |
| Loan quality | 96 (stronger) | 65 |
| Earnings | 93 (stronger) | 49 |
| Funding & liquidity | 92 (stronger) | 77 |
| Problem-loan coverage | 99 (stronger) | 79 |
| Peer percentile | 99th | 12th |
| Total assets | $100.7M | $644.5M |
| Deposits / shares | $84.1M | $585.2M |
| Capital ratio | 15.92% (stronger) | 7.98% |
| Problem loans | 0.12% (stronger) | 1.05% |
| Net charge-offs | 0.14% (stronger) | 0.22% |
| Return on assets | 1.82% (stronger) | 0.73% |
| Loans ÷ deposits | 68.0% (stronger) | 82.9% |
| Uninsured deposits | 7.9% | 6.9% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gardiner Federal Credit Union has the higher TellerScore (96 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Gardiner Federal Credit Union leads on 6 and Evergreen Credit Union on 1. 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.