Side-by-side · Q2 2026 data
Gowanda Area Federal Credit Union vs O and R Utilities Employees Federal Credit Union
Credit union
Gowanda Area Federal Credit Union
Gowanda, New York · Under $100 million in assets
Credit union
O and R Utilities Employees Federal Credit Union
Monroe, New York · Under $100 million in assets
Metric by metric
| Measure | Gowanda Area Federal Credit Union | O and R Utilities Employees Federal Credit Union |
|---|---|---|
| TellerScore | 99 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 69 |
| Loan quality | 100 (stronger) | 69 |
| Earnings | 96 (stronger) | 31 |
| Funding & liquidity | 100 (stronger) | 76 |
| Problem-loan coverage | 100 (stronger) | 88 |
| Peer percentile | 99th | 28th |
| Total assets | $33.5M | $34.7M |
| Deposits / shares | $28.1M | $30.6M |
| Capital ratio | 16.06% (stronger) | 11.86% |
| Problem loans | 0.00% (stronger) | 0.94% |
| Net charge-offs | 0.02% (stronger) | 0.55% |
| Return on assets | 1.91% (stronger) | 0.26% |
| Loans ÷ deposits | 45.0% (stronger) | 84.4% |
| Uninsured deposits | 0.0% (stronger) | 12.5% |
| 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 64). On the 7 directional measures above (where higher or lower is clearly better), Gowanda Area Federal Credit Union leads on 7 and O and R Utilities Employees Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.