Side-by-side · Q2 2026 data
BankMiami vs Guardians Credit Union
Metric by metric
| Measure | BankMiami | Guardians Credit Union |
|---|---|---|
| TellerScore | 62 | 80 (stronger) |
| Capital cushion | 64 | 97 (stronger) |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 0 | 41 (stronger) |
| Funding & liquidity | 50 | 79 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 22nd | 78th |
| Total assets | $317.9M | $309.5M |
| Deposits / shares | $280.8M | $256.4M |
| Capital ratio | 11.43% | 14.68% (stronger) |
| Problem loans | 0.00% (stronger) | 0.42% |
| Net charge-offs | 0.00% (stronger) | 0.93% |
| Return on assets | -0.71% | 0.52% (stronger) |
| Loans ÷ deposits | 35.1% (stronger) | 80.9% |
| Uninsured deposits | 70.8% | 4.3% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 43.2% |
Guardians Credit Union has the higher TellerScore (80 vs 62). On the 7 directional measures above (where higher or lower is clearly better), BankMiami leads on 3 and Guardians Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.