Side-by-side · Q2 2026 data
Lake Shore Bank vs Gowanda Area Federal Credit Union
Credit union
Gowanda Area Federal Credit Union
Gowanda, New York · Under $100 million in assets
Metric by metric
| Measure | Lake Shore Bank | Gowanda Area Federal Credit Union |
|---|---|---|
| TellerScore | 86 | 99 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 65 | 96 (stronger) |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 90th | 99th |
| Total assets | $735.9M | $33.5M |
| Deposits / shares | $599.1M | $28.1M |
| Capital ratio | 17.43% (stronger) | 16.06% |
| Problem loans | 0.25% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.13% | 1.91% (stronger) |
| Loans ÷ deposits | 93.2% | 45.0% (stronger) |
| Uninsured deposits | 11.6% | 0.0% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.9% | — |
Gowanda Area Federal Credit Union has the higher TellerScore (99 vs 86). On the 7 directional measures above (where higher or lower is clearly better), Lake Shore Bank leads on 2 and Gowanda Area Federal Credit Union on 5. 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.