Gardiner
Gardiner is a credit union based in Gardiner, Maine, established in 1953, with $99 million in total assets serving 5,489 members. By Trust Grade it ranks 2nd of 48 credit unions we track in Maine. Its net worth ratio of 15.8% is stronger than 60% of similarly sized credit unions, versus a Maine median of 10.9%. It was profitable over the most recent period, with a 1.76% return on assets. No consumer complaints against Gardiner appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Gardiner compares to Maine peers
How we graded Gardiner
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (15.8% capital ratio)
- Strongly profitable (ROA 1.76%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Gardiner over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Gardiner insured?
Yes. Gardiner is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Gardiner: frequently asked questions
Is Gardiner a good credit union?
Gardiner earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (15.8% capital ratio); Strongly profitable (ROA 1.76%).
Is Gardiner NCUA-insured?
Yes. Gardiner is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Gardiner?
Gardiner holds $99 million in total assets, ranking 2nd of 48 credit unions we track in Maine. It serves 5,489 members.
Does Gardiner have CFPB complaints?
No CFPB complaints against Gardiner appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
