Bank · FDIC insured
Gouverneur Savings & Loan Association
A $198.9M bank headquartered in Gouverneur, NY, with 4 branches in New York. Best rates: CDs 3.41% and savings 0.10% APY.
Gouverneur Savings & Loan Association Carrot Score
62
Carrot Score
Higher than 6% of U.S. banks and credit unions
#6 of 9 in Watertown, NY metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Gouverneur Savings & Loan Association
Gouverneur Savings and Loan Association is headquartered in Gouverneur, New York, and has served St. Lawrence, Jefferson, and Lewis counties since 1892.
- Headquarters
- 42 Church St, Gouverneur, NY 13642
- FDIC certificate
- 30976 ↗
Branches
4 branches in New York
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New York
4 branches
Watertown area · 3
- Alexandria Bay Branch15 Nys Route 12, Alexandria Bay, NY 13607Directions
- Cape Vincent Branch154 E Broadway St, Cape Vincent, NY 13618Directions
- Chaumont Branch12084 State Route 12e, Chaumont, NY 13622Directions
Massena area · 1
- Gouverneur Savings and Loan AssociationMain office42 Church St, Gouverneur, NY 13642Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 14.53% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.62% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $87 | $81 | — |
- CapitalLeverage ratio14.53%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.62%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$87Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Gouverneur Savings & Loan Association are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.