Federal credit union · Gardiner, Maine · NCUA charter #8367
GARDINER
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $93.6M
- Total assets
- 5,452
- Members
- 15.8%
- Net-worth ratio
GARDINER scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $93.6M; members 5,452; net-worth ratio 15.76%; health rank #82 of 4,374; healthier than 97th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#82 of 4,374 health · 2025Q4GARDINER · health 98/100 · $93.6M · 2025Q4
Call Report peers
GARDINER in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
GARDINER vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); GARDINER sits in 95-99 with 391 others.
98 Top 3% higher than 97% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for GARDINER
- Loan-to-Share Ratio leads the peer set - 73.80% here, 62.60% peer average (+11.20 pp).
GARDINER in Maine
- Maine health ordinal: #2 of 48.
- By total assets, GARDINER is #40 of 48 in Maine.
- Member book place in Maine: #40 of 48.
- One place up in Maine, OXFORD (#1) ties at 98/100; one place down, The County (#3) ties at 98/100.
How GARDINER's 5300 filing moved
GARDINER: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.4% from $93.6M (2025Q4) to $98.6M (2026Q1).
- Net-worth ratio shifted -0.39 pp (16.15% → 15.76%).
At 15.76%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 98/100 score is built
GARDINER gives up 2 points in total. Member Growth costs the most, 2.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.8 pts
- Loan-to-Share Ratio 15.2 pts
Call Report ratios for GARDINER
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.76% | +2.14 pp |
| Delinquency Rate | 0.15% | -0.81 pp |
| Return on Assets | 1.80% | +1.14 pp |
| Member Growth | 3.18% | - |
| Loan-to-Share Ratio | 73.80% | +11.20 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
GARDINER filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $98.6M | - |
| 2025Q4 | $93.6M | 5,452 |
| 2024Q4 | $84.8M | 5,284 |
| 2023Q4 | $81.3M | 5,143 |
Credit Union Details
- Charter Number
- 8367
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Maine
- City
- Gardiner
- Data Quarter
- 2025Q4
Branch Locations (3)
GARDINER operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Brunswick Avenue (Main Office) | Gardiner, ME |
| KV FCU | Augusta, ME |
| Maine Credit Union League | Westbrook, ME |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Maine
Other federally-insured credit unions in Maine, closest first by peer group and asset size.
Cross-state Call Report peers for GARDINER
Using this data
- GARDINER ranks #82 of 4,374 nationally on financial health and #2 of 48 in ME -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Coast Line is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Coast Line
Frequently Asked Questions
Is GARDINER financially healthy?
GARDINER has a financial health score of 98/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #82 of 4,374 nationally on health and #2 of 48 in Maine. Its net worth ratio is 15.76% and its delinquency rate 0.15%.
How does GARDINER compare to other credit unions?
GARDINER scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (73.80% vs 62.60%).
How can I join GARDINER?
GARDINER operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact GARDINER directly for the exact boundaries and application steps.
Is my money safe at GARDINER?
GARDINER is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. GARDINER's net worth ratio of 15.76% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.