Side-by-side · Q2 2026 data
BankUnited, National Association vs Guardians Credit Union
Metric by metric
| Measure | BankUnited, National Association | Guardians Credit Union |
|---|---|---|
| TellerScore | 47 | 80 (stronger) |
| Capital cushion | 44 | 97 (stronger) |
| Loan quality | 44 | 86 (stronger) |
| Earnings | 55 (stronger) | 41 |
| Funding & liquidity | 31 | 79 (stronger) |
| Problem-loan coverage | 76 | 96 (stronger) |
| Peer percentile | 10th | 78th |
| Total assets | $34.9B | $309.5M |
| Deposits / shares | $29.1B | $256.4M |
| Capital ratio | 9.43% | 14.68% (stronger) |
| Problem loans | 1.69% | 0.42% (stronger) |
| Net charge-offs | 0.35% (stronger) | 0.93% |
| Return on assets | 0.87% (stronger) | 0.52% |
| Loans ÷ deposits | 81.5% | 80.9% (stronger) |
| Uninsured deposits | 57.9% | 4.3% (stronger) |
| Offices | 57 | 5 |
| CFPB complaints (3 yrs) | 18 | — |
| Complaints per $1B deposits | 0.6 | — |
| Mortgage denial rate (HMDA) | — | 43.2% |
Guardians Credit Union has the higher TellerScore (80 vs 47). On the 7 directional measures above (where higher or lower is clearly better), BankUnited, 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.