Side-by-side · Q2 2026 data
Gardiner Federal Credit Union vs Saco Valley Credit Union
Metric by metric
| Measure | Gardiner Federal Credit Union | Saco Valley Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 59 |
| Loan quality | 96 (stronger) | 88 |
| Earnings | 93 (stronger) | 55 |
| Funding & liquidity | 92 (stronger) | 69 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 99th | 54th |
| Total assets | $100.7M | $195.5M |
| Deposits / shares | $84.1M | $173.8M |
| Capital ratio | 15.92% (stronger) | 10.90% |
| Problem loans | 0.12% (stronger) | 0.36% |
| Net charge-offs | 0.14% | 0.00% (stronger) |
| Return on assets | 1.82% (stronger) | 0.88% |
| Loans ÷ deposits | 68.0% (stronger) | 91.6% |
| Uninsured deposits | 7.9% (stronger) | 8.9% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.9% |
Gardiner Federal Credit Union has the higher TellerScore (96 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Gardiner Federal Credit Union leads on 6 and Saco Valley Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.