Otis vs Gardiner
Comparing a Credit Union in Jay, ME with a Credit Union in Gardiner, ME using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Otis ↗ Credit Union · Jay, ME · Est. 1954 | Gardiner ↗ Credit Union · Gardiner, ME · Est. 1953 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Jay, ME | Gardiner, ME |
| Total assets | $296.3M | $98.6M |
| Net worth ratio | 16.0% | 15.8% |
| Return on assets | 1.2% | 1.8% |
| Shares & deposits | — | — |
| Members | 12,477 | 5,489 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #5 of 48 | #2 of 48 |
| Established | 1954 | 1953 |
Otis
- Assets: $296.3M
- Members: 12,477
- Capital ratio: 16.0%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #5 of 48
Gardiner
- Assets: $98.6M
- Members: 5,489
- Capital ratio: 15.8%
- Return on assets: 1.8%
- CFPB complaints: 0
- State rank: #2 of 48
Are both institutions federally insured?
Yes. Otis is NCUA-insured and Gardiner 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, Otis or Gardiner?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Otis 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 Otis safe?
Yes — Otis 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 Gardiner safe?
Yes — Gardiner 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 Otis vs Gardiner?
Otis has a net worth ratio of 16.0%, placing it in the top 10% of $100M–1B peers. Gardiner's ratio is 15.8%, placing it in the top 40% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Otis have compared to Gardiner?
The CFPB database shows 0 complaints against Otis, and 0 complaints against Gardiner. 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 Otis with other Credit Unions in Maine
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.
