Side-by-side · Q2 2026 data
Gardiner Federal Credit Union vs Sabattus Regional Credit Union
Metric by metric
| Measure | Gardiner Federal Credit Union | Sabattus Regional Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 53 |
| Loan quality | 96 (stronger) | 75 |
| Earnings | 93 (stronger) | 53 |
| Funding & liquidity | 92 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 99th | 40th |
| Total assets | $100.7M | $85.2M |
| Deposits / shares | $84.1M | $75.9M |
| Capital ratio | 15.92% (stronger) | 10.29% |
| Problem loans | 0.12% (stronger) | 0.76% |
| Net charge-offs | 0.14% | 0.03% (stronger) |
| Return on assets | 1.82% (stronger) | 0.81% |
| Loans ÷ deposits | 68.0% | 51.7% (stronger) |
| Uninsured deposits | 7.9% | 4.8% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gardiner Federal Credit Union has the higher TellerScore (96 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Gardiner Federal Credit Union leads on 4 and Sabattus Regional Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.