GARDINER
Charter #8367 · Gardiner, ME · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 15.76% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.80% ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.58% sits at the 79th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.16% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.17% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | GARDINER | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $98.65M | 99th pct | 64th pct |
| Members | 5,489 | 58th pct | 33th pct |
| Net worth ratio | 15.76% | 75th pct | 75th pct |
| Return on average assets | 1.80% | 92th pct | 92th pct |
| Net interest margin | 3.82% | 55th pct | 34th pct |
| Cost of funds | 1.58% | 83th pct | 79th pct |
| Loan-to-share | 68.25% | 64th pct | 49th pct |
| Delinquency 60+ days | 0.16% | 17th pct | 13th pct |
| Net charge-off ratio | 0.17% | 42th pct | 25th pct |
| Loan growth YoY | -2.88% | 36th pct | 26th pct |
| Share growth YoY | 6.90% | 87th pct | 82th pct |
| Efficiency ratio | 58.11% | 9th pct | 7th pct |
structural peer set hash: b0265bba647314e44e94afb6a93b81ae… (reproducible)
Closest structural peers
This is the free public view
Claim GARDINER
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.