Side-by-side · Q2 2026 data
Gardiner Federal Credit Union vs Truchoice Federal Credit Union
Metric by metric
| Measure | Gardiner Federal Credit Union | Truchoice Federal Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 60 |
| Capital cushion | 100 (stronger) | 61 |
| Loan quality | 96 (stronger) | 43 |
| Earnings | 93 (stronger) | 66 |
| Funding & liquidity | 92 (stronger) | 71 |
| Problem-loan coverage | 99 (stronger) | 75 |
| Peer percentile | 99th | 21st |
| Total assets | $100.7M | $257.4M |
| Deposits / shares | $84.1M | $231.1M |
| Capital ratio | 15.92% (stronger) | 11.09% |
| Problem loans | 0.12% (stronger) | 1.72% |
| Net charge-offs | 0.14% (stronger) | 0.46% |
| Return on assets | 1.82% (stronger) | 1.14% |
| Loans ÷ deposits | 68.0% (stronger) | 89.7% |
| Uninsured deposits | 7.9% | 7.5% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.4% |
Gardiner Federal Credit Union has the higher TellerScore (96 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Gardiner Federal Credit Union leads on 6 and Truchoice Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.