Side-by-side · Q2 2026 data
Beal Bank USA vs Guardians Credit Union
Metric by metric
| Measure | Beal Bank USA | Guardians Credit Union |
|---|---|---|
| TellerScore | 80 | 80 |
| Capital cushion | 100 (stronger) | 97 |
| Loan quality | 74 | 86 (stronger) |
| Earnings | 100 (stronger) | 41 |
| Funding & liquidity | 15 | 79 (stronger) |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 96th | 78th |
| Total assets | $11.0B | $309.5M |
| Deposits / shares | $1.7B | $256.4M |
| Capital ratio | 21.89% (stronger) | 14.68% |
| Problem loans | 0.78% | 0.42% (stronger) |
| Net charge-offs | -4.75% (stronger) | 0.93% |
| Return on assets | 8.19% (stronger) | 0.52% |
| Loans ÷ deposits | 235.7% | 80.9% (stronger) |
| Uninsured deposits | 46.6% | 4.3% (stronger) |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 43.2% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Beal Bank USA leads on 3 and Guardians Credit Union on 3. 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.