Side-by-side · Q2 2026 data
Gowanda Area Federal Credit Union vs Ed-Med Federal Credit Union
Credit union
Gowanda Area Federal Credit Union
Gowanda, New York · Under $100 million in assets
Metric by metric
| Measure | Gowanda Area Federal Credit Union | Ed-Med Federal Credit Union |
|---|---|---|
| TellerScore | 99 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 75 |
| Loan quality | 100 (stronger) | 64 |
| Earnings | 96 (stronger) | 63 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 99th | 54th |
| Total assets | $33.5M | $34.7M |
| Deposits / shares | $28.1M | $30.3M |
| Capital ratio | 16.06% (stronger) | 12.51% |
| Problem loans | 0.00% (stronger) | 1.08% |
| Net charge-offs | 0.02% | -0.08% (stronger) |
| Return on assets | 1.91% (stronger) | 1.07% |
| Loans ÷ deposits | 45.0% | 42.2% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 1.0% |
| 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 76). On the 7 directional measures above (where higher or lower is clearly better), Gowanda Area Federal Credit Union leads on 5 and Ed-Med Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.