Side-by-side · Q2 2026 data
Cypress Bank & Trust vs Guardians Credit Union
Metric by metric
| Measure | Cypress Bank & Trust | Guardians Credit Union |
|---|---|---|
| TellerScore | 79 | 80 (stronger) |
| Capital cushion | 68 | 97 (stronger) |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 71 (stronger) | 41 |
| Funding & liquidity | 62 | 79 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 75th | 78th |
| Total assets | $256.8M | $309.5M |
| Deposits / shares | $219.3M | $256.4M |
| Capital ratio | 11.76% | 14.68% (stronger) |
| Problem loans | 0.00% (stronger) | 0.42% |
| Net charge-offs | 0.00% (stronger) | 0.93% |
| Return on assets | 1.26% (stronger) | 0.52% |
| Loans ÷ deposits | 76.6% (stronger) | 80.9% |
| Uninsured deposits | 34.9% | 4.3% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 43.2% |
Guardians Credit Union has the higher TellerScore (80 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Cypress Bank & Trust leads on 4 and Guardians Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.