Side-by-side · Q2 2026 data
Gouverneur Savings and Loan Association vs Saint Lawrence Federal Credit Union
Credit union
Saint Lawrence Federal Credit Union
Ogdensburg, New York · $100 million – $1 billion
Metric by metric
| Measure | Gouverneur Savings and Loan Association | Saint Lawrence Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 72 |
| Capital cushion | 95 (stronger) | 65 |
| Loan quality | 67 | 82 (stronger) |
| Earnings | 45 | 53 (stronger) |
| Funding & liquidity | 74 | 81 (stronger) |
| Problem-loan coverage | 91 | 93 (stronger) |
| Peer percentile | 57th | 57th |
| Total assets | $198.9M | $272.3M |
| Deposits / shares | $157.6M | $239.3M |
| Capital ratio | 14.53% (stronger) | 11.47% |
| Problem loans | 1.00% | 0.54% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.08% |
| Return on assets | 0.62% | 0.82% (stronger) |
| Loans ÷ deposits | 85.8% | 79.5% (stronger) |
| Uninsured deposits | 13.9% | 3.0% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.9% | — |
Gouverneur Savings and Loan Association has the higher TellerScore (74 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Gouverneur Savings and Loan Association leads on 3 and Saint Lawrence Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.