Side-by-side · Q2 2026 data
Amerant Bank, National Association vs Guardians Credit Union
Bank
Amerant Bank, National Association
Coral Gables, Florida · $10 billion – $100 billion
Metric by metric
| Measure | Amerant Bank, National Association | Guardians Credit Union |
|---|---|---|
| TellerScore | 43 | 80 (stronger) |
| Capital cushion | 49 | 97 (stronger) |
| Loan quality | 17 | 86 (stronger) |
| Earnings | 56 (stronger) | 41 |
| Funding & liquidity | 44 | 79 (stronger) |
| Problem-loan coverage | 65 | 96 (stronger) |
| Peer percentile | 9th | 78th |
| Total assets | $10.3B | $309.5M |
| Deposits / shares | $8.4B | $256.4M |
| Capital ratio | 9.88% | 14.68% (stronger) |
| Problem loans | 2.49% | 0.42% (stronger) |
| Net charge-offs | 0.26% (stronger) | 0.93% |
| Return on assets | 0.90% (stronger) | 0.52% |
| Loans ÷ deposits | 81.1% | 80.9% (stronger) |
| Uninsured deposits | 46.7% | 4.3% (stronger) |
| Offices | 24 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 35.3% | 43.2% |
Guardians Credit Union has the higher TellerScore (80 vs 43). On the 7 directional measures above (where higher or lower is clearly better), Amerant Bank, National Association leads on 2 and Guardians Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.