Side-by-side · Q2 2026 data
Norway Savings Bank vs Gardiner Federal Credit Union
Metric by metric
| Measure | Norway Savings Bank | Gardiner Federal Credit Union |
|---|---|---|
| TellerScore | 81 | 96 (stronger) |
| Capital cushion | 91 | 100 (stronger) |
| Loan quality | 90 | 96 (stronger) |
| Earnings | 71 | 93 (stronger) |
| Funding & liquidity | 51 | 92 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 91st | 99th |
| Total assets | $2.2B | $100.7M |
| Deposits / shares | $1.6B | $84.1M |
| Capital ratio | 14.07% | 15.92% (stronger) |
| Problem loans | 0.29% | 0.12% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.14% |
| Return on assets | 1.28% | 1.82% (stronger) |
| Loans ÷ deposits | 103.1% | 68.0% (stronger) |
| Uninsured deposits | 20.5% | 7.9% (stronger) |
| Offices | 25 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.8% | — |
Gardiner Federal Credit Union has the higher TellerScore (96 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Norway 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.