Side-by-side · Q2 2026 data
Gardiner Federal Credit Union vs Maine State Credit Union
Metric by metric
| Measure | Gardiner Federal Credit Union | Maine State Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 59 |
| Capital cushion | 100 (stronger) | 48 |
| Loan quality | 96 (stronger) | 74 |
| Earnings | 93 (stronger) | 31 |
| Funding & liquidity | 92 (stronger) | 73 |
| Problem-loan coverage | 99 (stronger) | 88 |
| Peer percentile | 99th | 19th |
| Total assets | $100.7M | $805.9M |
| Deposits / shares | $84.1M | $696.5M |
| Capital ratio | 15.92% (stronger) | 9.78% |
| Problem loans | 0.12% (stronger) | 0.79% |
| Net charge-offs | 0.14% (stronger) | 0.47% |
| Return on assets | 1.82% (stronger) | 0.26% |
| Loans ÷ deposits | 68.0% (stronger) | 87.6% |
| Uninsured deposits | 7.9% (stronger) | 12.3% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 23.9% |
Gardiner Federal Credit Union has the higher TellerScore (96 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Gardiner Federal Credit Union leads on 7 and Maine State Credit Union on 0. 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.