TellerScore

Headquartered in Gardiner, Maine, Gardiner Federal Credit Union is a federal credit union with $100.7M in total assets and $84.1M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1953.

Based on its Q2 2026 filing, Gardiner Federal Credit Union scores 96/100, which we describe as very strong. That is higher than 99% of 1,341 credit unions with $100 million – $1 billion. Among 48 credit unions headquartered in Maine, it ranks 1st. Its strongest component is capital cushion (100/100; 15.92%), and its lowest is funding & liquidity (92/100; 68% loans-to-deposits, 8% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.92%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.12%
Earnings93/100
Return on assets (annualized): 1.82%
Funding & liquidity92/100
Loans ÷ shares: 68.0% · 7.9% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.43%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (97 → 96).

TellerScore
959798Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202497
Q3 202497
Q4 202498
Q1 202595
Q2 202597
Q3 202596
Q4 202595
Q1 202695
Q2 202696
Net worth ratio
7.00%11.57%16.15%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202415.02%
Q3 202415.50%
Q4 202415.77%
Q1 202515.52%
Q2 202515.62%
Q3 202515.95%
Q4 202516.15%
Q1 202615.76%
Q2 202615.92%
Delinquent loans (60+ days)
0.01%0.08%0.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.03%
Q3 20240.02%
Q4 20240.01%
Q1 20250.01%
Q2 20250.09%
Q3 20250.11%
Q4 20250.15%
Q1 20260.16%
Q2 20260.12%
Return on assets
1.67%1.83%1.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.90%
Q3 20241.94%
Q4 20241.99%
Q1 20251.67%
Q2 20251.97%
Q3 20251.92%
Q4 20251.86%
Q1 20261.76%
Q2 20261.82%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202696$100.7M15.92%0.12%1.82%68.0%
Q1 202695$98.6M15.76%0.16%1.76%68.2%
Q4 202595$93.6M16.15%0.15%1.86%73.8%
Q3 202596$92.2M15.95%0.11%1.92%75.1%
Q2 202597$91.4M15.62%0.09%1.97%73.9%
Q1 202595$88.6M15.52%0.01%1.67%73.8%
Q4 202498$84.8M15.77%0.01%1.99%75.2%
Q3 202497$83.2M15.50%0.02%1.94%74.5%
Q2 202497$83.1M15.02%0.03%1.90%70.5%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio15.92%
89th
Problem loans0.12%
94th
Net charge-offs0.14%
79th
Return on assets1.82%
95th
Loans to deposits68.0%
65th
Uninsured deposits7.9%
30th
Loan-loss reserves0.00%
50th
Texas ratio0.4%
95th

Similar-size credit unions in Maine

InstitutionScoreAssetsCapitalProblem loansCompare
Winthrop Area Federal Credit UnionCredit union Winthrop, ME78 out of 100, Strong$106.7M11.4%0.10%vs
Katahdin Federal Credit UnionCredit union Millinocket, ME81 out of 100, Strong$110.9M16.8%1.02%vs
Brewer Federal Credit UnionCredit union Brewer, ME73 out of 100, Strong$117.8M10.3%0.08%vs
Community Credit UnionCredit union Lewiston, ME51 out of 100, Below average$120.2M10.5%1.86%vs
Casco Federal Credit UnionCredit union Gorham, ME63 out of 100, Moderate$121.3M9.7%1.09%vs
Ksw Federal Credit UnionCredit union Waterville, ME85 out of 100, Very strong$122.2M14.6%1.02%vs

Deposit insurance

Is my money safe at Gardiner Federal Credit Union?

Yes. Gardiner Federal Credit Union is a federally insured credit union (NCUA charter #8367). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 7.9% of shares and deposits ($6.6M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 15.92%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Gardiner Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Gardiner Federal Credit Union
Type
Federal credit union
NCUA charter #
8367
RSSD ID
469184
Primary regulator
NCUA
Established
1953
Headquarters
420 Brunswick Ave, Gardiner, ME 04345
Employees
12

Quick answers

Gardiner Federal Credit Union: common questions

Is Gardiner Federal Credit Union NCUA insured?

Yes. Gardiner Federal Credit Union is a federally insured credit union (NCUA charter #8367). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Gardiner Federal Credit Union's TellerScore?

96 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Gardiner Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Gardiner

InstitutionScoreAssetsCapitalProblem loansCompare
Skowhegan Savings BankBank Skowhegan, ME88 out of 100, Very strong$855.0M15.8%0.42%vs
Capital Area Federal Credit UnionCredit union Augusta, ME86 out of 100, Very strong$71.4M17.6%0.59%vs
K V Federal Credit UnionCredit union Augusta, ME84 out of 100, Strong$139.6M12.4%0.13%vs
Bath Savings InstitutionBank Bath, ME82 out of 100, Strong$1.5B15.8%0.05%vs
Norway Savings BankBank Norway, ME81 out of 100, Strong$2.2B14.1%0.29%vs
Central Maine Federal Credit UnionCredit union Lewiston, ME81 out of 100, Strong$145.5M14.7%0.66%vs