Charter 8367 · Gardiner, ME
Gardiner Federal Credit Union
Gardiner Federal Credit Union is a federally chartered credit union in Gardiner, Maine, with $101 million in assets and 5,546 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 15.92%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $101 million
- +10.2% in a year
- Members
- 5,546
- +2.4% in a year
- Net worth ratio
- 15.92%
- Peer median 11.65%
- Loans 60+ days late
- 0.12%
- Peer median 0.70%
- Loans outstanding
- $57.1 million
- +1.1% in a year
- Shares and deposits
- $84.1 million
- +10.0% in a year
- Branches
- 1
- 12 employees
- Opened
- 1953
- Federal charter
How Gardiner Federal Credit Union compares
NCUA groups credit unions by size; Gardiner Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 15.92% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.12%, is lower than the group median of 0.70%. Loans grew 1.1% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 40 of 48 credit unions headquartered in Maine. See all Maine credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $101 million | 5,546 | $57.1 million | 15.92% | 0.12% |
| Q1 2026 | $98.6 million | 5,489 | $56.3 million | 15.76% | 0.16% |
| Q4 2025 | $93.6 million | 5,452 | $57.7 million | 16.15% | 0.15% |
| Q3 2025 | $92.2 million | 5,449 | $57.9 million | 15.95% | 0.11% |
| Q2 2025 | $91.4 million | 5,417 | $56.5 million | 15.62% | 0.09% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 50,000 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 3 sites for Gardiner Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Brunswick Avenue (main office)
420 Brunswick Ave, Gardiner, ME 04345 - Maine Credit Union League
2 Ledgeview Dr, Westbrook, ME 04092 - KV FCU
316 W River Rd, Augusta, ME 04330
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology