Side-by-side · Q2 2026 data
The North Country Savings Bank vs Gouverneur Savings and Loan Association
Metric by metric
| Measure | The North Country Savings Bank | Gouverneur Savings and Loan Association |
|---|---|---|
| TellerScore | 78 (stronger) | 74 |
| Capital cushion | 95 | 95 |
| Loan quality | 73 (stronger) | 67 |
| Earnings | 72 (stronger) | 45 |
| Funding & liquidity | 54 | 74 (stronger) |
| Problem-loan coverage | 90 | 91 (stronger) |
| Peer percentile | 72nd | 57th |
| Total assets | $373.5M | $198.9M |
| Deposits / shares | $296.6M | $157.6M |
| Capital ratio | 14.53% | 14.53% (stronger) |
| Problem loans | 0.82% (stronger) | 1.00% |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.30% (stronger) | 0.62% |
| Loans ÷ deposits | 106.0% | 85.8% (stronger) |
| Uninsured deposits | 4.6% (stronger) | 13.9% |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.9% |
The North Country Savings Bank has the higher TellerScore (78 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The North Country Savings Bank leads on 4 and Gouverneur Savings and Loan Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.