Side-by-side · Q2 2026 data
City National Bank of Florida vs Guardians Credit Union
Metric by metric
| Measure | City National Bank of Florida | Guardians Credit Union |
|---|---|---|
| TellerScore | 64 | 80 (stronger) |
| Capital cushion | 64 | 97 (stronger) |
| Loan quality | 73 | 86 (stronger) |
| Earnings | 70 (stronger) | 41 |
| Funding & liquidity | 28 | 79 (stronger) |
| Problem-loan coverage | 87 | 96 (stronger) |
| Peer percentile | 46th | 78th |
| Total assets | $29.1B | $309.5M |
| Deposits / shares | $22.1B | $256.4M |
| Capital ratio | 11.38% | 14.68% (stronger) |
| Problem loans | 0.81% | 0.42% (stronger) |
| Net charge-offs | 0.09% (stronger) | 0.93% |
| Return on assets | 1.24% (stronger) | 0.52% |
| Loans ÷ deposits | 92.2% | 80.9% (stronger) |
| Uninsured deposits | 51.5% | 4.3% (stronger) |
| Offices | 29 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.7% | 43.2% |
Guardians Credit Union has the higher TellerScore (80 vs 64). On the 7 directional measures above (where higher or lower is clearly better), City National Bank of Florida 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.