Gowanda Area vs Firstenergy Choice
Comparing a Credit Union in Gowanda, NY with a Credit Union in Greensburg, PA using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Gowanda Area ↗ Credit Union · Gowanda, NY · Est. 1935 | Firstenergy Choice ↗ Credit Union · Greensburg, PA · Est. 1935 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Gowanda, NY | Greensburg, PA |
| Total assets | $32.1M | $52.2M |
| Net worth ratio | 16.2% | 20.8% |
| Return on assets | 1.7% | 1.3% |
| Shares & deposits | — | — |
| Members | 1,845 | 3,558 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 267 | #4 of 271 |
| Established | 1935 | 1935 |
Gowanda Area
- Assets: $32.1M
- Members: 1,845
- Capital ratio: 16.2%
- Return on assets: 1.7%
- CFPB complaints: 0
- State rank: #2 of 267
Firstenergy Choice
- Assets: $52.2M
- Members: 3,558
- Capital ratio: 20.8%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #4 of 271
Are both institutions federally insured?
Yes. Gowanda Area is NCUA-insured and Firstenergy Choice is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Gowanda Area or Firstenergy Choice?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Gowanda Area scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Gowanda Area safe?
Yes — Gowanda Area is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Firstenergy Choice safe?
Yes — Firstenergy Choice is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Gowanda Area vs Firstenergy Choice?
Gowanda Area has a net worth ratio of 16.2%, placing it in the top 38% of <$100M peers. Firstenergy Choice's ratio is 20.8%, placing it in the top 20% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Gowanda Area have compared to Firstenergy Choice?
The CFPB database shows 0 complaints against Gowanda Area, and 0 complaints against Firstenergy Choice. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Gowanda Area with other Credit Unions in New York
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
