Side-by-side · Q2 2026 data
Baptist Health South Florida Federal Credit Union vs Guardians Credit Union
Credit union
Baptist Health South Florida Federal Credit Union
Miami, Florida · $100 million – $1 billion
Metric by metric
| Measure | Baptist Health South Florida Federal Credit Union | Guardians Credit Union |
|---|---|---|
| TellerScore | 71 | 80 (stronger) |
| Capital cushion | 60 | 97 (stronger) |
| Loan quality | 79 | 86 (stronger) |
| Earnings | 59 (stronger) | 41 |
| Funding & liquidity | 79 | 79 |
| Problem-loan coverage | 91 | 96 (stronger) |
| Peer percentile | 54th | 78th |
| Total assets | $140.2M | $309.5M |
| Deposits / shares | $122.9M | $256.4M |
| Capital ratio | 11.04% | 14.68% (stronger) |
| Problem loans | 0.62% | 0.42% (stronger) |
| Net charge-offs | 0.79% (stronger) | 0.93% |
| Return on assets | 0.98% (stronger) | 0.52% |
| Loans ÷ deposits | 81.4% | 80.9% (stronger) |
| Uninsured deposits | 2.4% (stronger) | 4.3% |
| Offices | 6 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 43.2% |
Guardians Credit Union has the higher TellerScore (80 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Baptist Health South Florida Federal Credit Union leads on 3 and Guardians Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.