Gowanda Area vs Mountain Star
Comparing a Credit Union in Gowanda, NY with a Credit Union in El Paso, TX using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Gowanda Area ↗ Credit Union · Gowanda, NY · Est. 1935 | Mountain Star ↗ Credit Union · El Paso, TX · Est. 1935 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Gowanda, NY | El Paso, TX |
| Total assets | $32.1M | $46.6M |
| Net worth ratio | 16.2% | 18.0% |
| Return on assets | 1.7% | 9.2% |
| Shares & deposits | — | — |
| Members | 1,845 | 4,784 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 267 | #2 of 379 |
| 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
Mountain Star
- Assets: $46.6M
- Members: 4,784
- Capital ratio: 18.0%
- Return on assets: 9.2%
- CFPB complaints: 0
- State rank: #2 of 379
Are both institutions federally insured?
Yes. Gowanda Area is NCUA-insured and Mountain Star 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 Mountain Star?
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 Mountain Star safe?
Yes — Mountain Star 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 Mountain Star?
Gowanda Area has a net worth ratio of 16.2%, placing it in the top 38% of <$100M peers. Mountain Star's ratio is 18.0%, placing it in the top 30% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Gowanda Area have compared to Mountain Star?
The CFPB database shows 0 complaints against Gowanda Area, and 0 complaints against Mountain Star. 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.
