Side-by-side · Q2 2026 data
Dade County Federal Credit Union vs Guardians Credit Union
Metric by metric
| Measure | Dade County Federal Credit Union | Guardians Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 80 |
| Capital cushion | 81 | 97 (stronger) |
| Loan quality | 90 (stronger) | 86 |
| Earnings | 88 (stronger) | 41 |
| Funding & liquidity | 68 | 79 (stronger) |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 93rd | 78th |
| Total assets | $1.5B | $309.5M |
| Deposits / shares | $1.2B | $256.4M |
| Capital ratio | 13.09% | 14.68% (stronger) |
| Problem loans | 0.31% (stronger) | 0.42% |
| Net charge-offs | 0.38% (stronger) | 0.93% |
| Return on assets | 1.69% (stronger) | 0.52% |
| Loans ÷ deposits | 92.6% | 80.9% (stronger) |
| Uninsured deposits | 9.9% | 4.3% (stronger) |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 45.9% | 43.2% |
Dade County Federal Credit Union has the higher TellerScore (84 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Dade County Federal Credit Union leads on 4 and Guardians Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.