Gardiner

Gardiner, ME · 1 · Charter #8367 · www.gardinerfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$93.6M
41th percentile
Members
5,452
29th percentile
Total loans
$57.7M
48th percentile
Total shares
$78.1M
40th percentile

Profitability

Return on assets
1.97%
91th percentile
Net interest margin
4.03%
70th percentile
Efficiency ratio
48.02%
85th percentile
Non-interest income ratio
14.96%
38th percentile

Capital & Risk

Net worth ratio
16.15%
82th percentile
Delinquency rate
0.15%
90th percentile
Net charge-off rate
0.08%
87th percentile
Loan-to-share
73.80%
61th percentile

Growth

Member growth YoY
3.18%
86th percentile
Asset growth YoY
10.35%
89th percentile
Loan growth YoY
7.95%
80th percentile
Share growth YoY
10.03%
88th percentile

Operations

Members / branch
5,452
86th percentile
Assets / member
$17,164
71th percentile
Field of membership penetration
10.90%
60th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

Want the full picture for Gardiner?

This is a free public preview. Tudovu's Industry Data Explorer adds custom peer groups, 10+ years of history, side-by-side comparisons, and one-click downloadable peer reports — used by credit unions to plan their next quarter.

See Tudovu →Free demo