Side-by-side · Q2 2026 data
Kennebec Savings Bank vs Gardiner Federal Credit Union
Metric by metric
| Measure | Kennebec Savings Bank | Gardiner Federal Credit Union |
|---|---|---|
| TellerScore | 79 | 96 (stronger) |
| Capital cushion | 90 | 100 (stronger) |
| Loan quality | 85 | 96 (stronger) |
| Earnings | 75 | 93 (stronger) |
| Funding & liquidity | 43 | 92 (stronger) |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 88th | 99th |
| Total assets | $1.9B | $100.7M |
| Deposits / shares | $1.4B | $84.1M |
| Capital ratio | 13.96% | 15.92% (stronger) |
| Problem loans | 0.46% | 0.12% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.14% |
| Return on assets | 1.37% | 1.82% (stronger) |
| Loans ÷ deposits | 110.8% | 68.0% (stronger) |
| Uninsured deposits | 21.9% | 7.9% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gardiner Federal Credit Union has the higher TellerScore (96 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Kennebec Savings Bank leads on 1 and Gardiner Federal Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.