Side-by-side · Q2 2026 data
Gowanda Area Federal Credit Union vs Meridia Community Federal Credit Union
Credit union
Gowanda Area Federal Credit Union
Gowanda, New York · Under $100 million in assets
Credit union
Meridia Community Federal Credit Union
Hamburg, New York · $100 million – $1 billion
Metric by metric
| Measure | Gowanda Area Federal Credit Union | Meridia Community Federal Credit Union |
|---|---|---|
| TellerScore | 99 (stronger) | 94 |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 91 |
| Earnings | 96 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 74 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 99th | 98th |
| Total assets | $33.5M | $144.1M |
| Deposits / shares | $28.1M | $117.7M |
| Capital ratio | 16.06% | 16.36% (stronger) |
| Problem loans | 0.00% (stronger) | 0.27% |
| Net charge-offs | 0.02% (stronger) | 0.30% |
| Return on assets | 1.91% | 2.26% (stronger) |
| Loans ÷ deposits | 45.0% (stronger) | 86.4% |
| Uninsured deposits | 0.0% (stronger) | 0.9% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.1% |
Gowanda Area Federal Credit Union has the higher TellerScore (99 vs 94). On the 7 directional measures above (where higher or lower is clearly better), Gowanda Area Federal Credit Union leads on 5 and Meridia Community Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.