Side-by-side · Q2 2026 data
Eastern National Bank vs Guardians Credit Union
Metric by metric
| Measure | Eastern National Bank | Guardians Credit Union |
|---|---|---|
| TellerScore | 55 | 80 (stronger) |
| Capital cushion | 30 | 97 (stronger) |
| Loan quality | 97 (stronger) | 86 |
| Earnings | 0 | 41 (stronger) |
| Funding & liquidity | 82 (stronger) | 79 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 14th | 78th |
| Total assets | $65.2M | $309.5M |
| Deposits / shares | $57.6M | $256.4M |
| Capital ratio | 8.01% | 14.68% (stronger) |
| Problem loans | 0.08% (stronger) | 0.42% |
| Net charge-offs | -0.20% (stronger) | 0.93% |
| Return on assets | -6.56% | 0.52% (stronger) |
| Loans ÷ deposits | 77.4% (stronger) | 80.9% |
| Uninsured deposits | 15.5% | 4.3% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 43.2% |
Guardians Credit Union has the higher TellerScore (80 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Eastern National Bank leads on 3 and Guardians Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.