Side-by-side · Q2 2026 data
Massena Savings and Loan vs Gouverneur Savings and Loan Association
Metric by metric
| Measure | Massena Savings and Loan | Gouverneur Savings and Loan Association |
|---|---|---|
| TellerScore | 73 | 74 (stronger) |
| Capital cushion | 100 (stronger) | 95 |
| Loan quality | 57 | 67 (stronger) |
| Earnings | 63 (stronger) | 45 |
| Funding & liquidity | 50 | 74 (stronger) |
| Problem-loan coverage | 83 | 91 (stronger) |
| Peer percentile | 53rd | 57th |
| Total assets | $199.9M | $198.9M |
| Deposits / shares | $148.2M | $157.6M |
| Capital ratio | 15.15% (stronger) | 14.53% |
| Problem loans | 1.30% | 1.00% (stronger) |
| Net charge-offs | 0.11% | 0.00% (stronger) |
| Return on assets | 1.09% (stronger) | 0.62% |
| Loans ÷ deposits | 121.7% | 85.8% (stronger) |
| Uninsured deposits | 12.8% (stronger) | 13.9% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.9% |
Gouverneur Savings and Loan Association has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Massena Savings and Loan leads on 3 and Gouverneur Savings and Loan Association on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.