Side-by-side · Q2 2026 data
Gowanda Area Federal Credit Union vs Academic Federal Credit Union
Credit union
Gowanda Area Federal Credit Union
Gowanda, New York · Under $100 million in assets
Credit union
Academic Federal Credit Union
Briarcliff Mano, New York · Under $100 million in assets
Metric by metric
| Measure | Gowanda Area Federal Credit Union | Academic Federal Credit Union |
|---|---|---|
| TellerScore | 99 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 64 |
| Loan quality | 100 (stronger) | 55 |
| Earnings | 96 (stronger) | 69 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 99th | 42nd |
| Total assets | $33.5M | $33.7M |
| Deposits / shares | $28.1M | $29.8M |
| Capital ratio | 16.06% (stronger) | 11.44% |
| Problem loans | 0.00% (stronger) | 1.34% |
| Net charge-offs | 0.02% (stronger) | 0.99% |
| Return on assets | 1.91% (stronger) | 1.22% |
| Loans ÷ deposits | 45.0% | 35.8% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gowanda Area Federal Credit Union has the higher TellerScore (99 vs 71). On the 6 directional measures above (where higher or lower is clearly better), Gowanda Area Federal Credit Union leads on 5 and Academic Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.