Side-by-side · Q2 2026 data
Compass Financial Federal Credit Union vs Guardians Credit Union
Credit union
Compass Financial Federal Credit Union
Hialeah, Florida · Under $100 million in assets
Metric by metric
| Measure | Compass Financial Federal Credit Union | Guardians Credit Union |
|---|---|---|
| TellerScore | 64 | 80 (stronger) |
| Capital cushion | 55 | 97 (stronger) |
| Loan quality | 94 (stronger) | 86 |
| Earnings | 15 | 41 (stronger) |
| Funding & liquidity | 79 | 79 |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 28th | 78th |
| Total assets | $25.9M | $309.5M |
| Deposits / shares | $22.4M | $256.4M |
| Capital ratio | 10.54% | 14.68% (stronger) |
| Problem loans | 0.17% (stronger) | 0.42% |
| Net charge-offs | 0.96% | 0.93% (stronger) |
| Return on assets | -0.11% | 0.52% (stronger) |
| Loans ÷ deposits | 80.9% | 80.9% (stronger) |
| Uninsured deposits | 11.7% | 4.3% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 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), Compass Financial Federal Credit Union leads on 1 and Guardians Credit Union on 6. 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.