Side-by-side · Q2 2026 data
Alabama State Employees Credit Union vs Guardian Credit Union
Credit union
Alabama State Employees Credit Union
Montgomery, Alabama · $100 million – $1 billion
Metric by metric
| Measure | Alabama State Employees Credit Union | Guardian Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 57 |
| Capital cushion | 70 (stronger) | 45 |
| Loan quality | 90 (stronger) | 52 |
| Earnings | 57 | 67 (stronger) |
| Funding & liquidity | 100 (stronger) | 66 |
| Problem-loan coverage | 97 (stronger) | 75 |
| Peer percentile | 78th | 17th |
| Total assets | $471.2M | $1.3B |
| Deposits / shares | $416.6M | $1.0B |
| Capital ratio | 12.01% (stronger) | 9.46% |
| Problem loans | 0.31% (stronger) | 1.45% |
| Net charge-offs | 0.56% (stronger) | 0.92% |
| Return on assets | 0.93% | 1.18% (stronger) |
| Loans ÷ deposits | 57.2% (stronger) | 93.8% |
| Uninsured deposits | 3.4% (stronger) | 12.3% |
| Offices | 8 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.9% | — |
Alabama State Employees Credit Union has the higher TellerScore (80 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Alabama State Employees Credit Union leads on 6 and Guardian Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.