Side-by-side · Q2 2026 data
Winthrop Area Federal Credit Union vs Gardiner Federal Credit Union
Metric by metric
| Measure | Winthrop Area Federal Credit Union | Gardiner Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 96 (stronger) |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 97 (stronger) | 96 |
| Earnings | 51 | 93 (stronger) |
| Funding & liquidity | 97 (stronger) | 92 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 74th | 99th |
| Total assets | $106.7M | $100.7M |
| Deposits / shares | $94.2M | $84.1M |
| Capital ratio | 11.43% | 15.92% (stronger) |
| Problem loans | 0.10% (stronger) | 0.12% |
| Net charge-offs | 0.07% (stronger) | 0.14% |
| Return on assets | 0.78% | 1.82% (stronger) |
| Loans ÷ deposits | 63.5% (stronger) | 68.0% |
| Uninsured deposits | 7.2% (stronger) | 7.9% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gardiner Federal Credit Union has the higher TellerScore (96 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Winthrop Area Federal Credit Union leads on 4 and Gardiner Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.