Side-by-side · Q2 2026 data
Family Security Credit Union vs Guardian Credit Union
Metric by metric
| Measure | Family Security Credit Union | Guardian Credit Union |
|---|---|---|
| TellerScore | 95 (stronger) | 57 |
| Capital cushion | 100 (stronger) | 45 |
| Loan quality | 80 (stronger) | 52 |
| Earnings | 99 (stronger) | 67 |
| Funding & liquidity | 100 (stronger) | 66 |
| Problem-loan coverage | 97 (stronger) | 75 |
| Peer percentile | 100th | 17th |
| Total assets | $1.1B | $1.3B |
| Deposits / shares | $876.5M | $1.0B |
| Capital ratio | 19.92% (stronger) | 9.46% |
| Problem loans | 0.61% (stronger) | 1.45% |
| Net charge-offs | 0.55% (stronger) | 0.92% |
| Return on assets | 1.98% (stronger) | 1.18% |
| Loans ÷ deposits | 47.7% (stronger) | 93.8% |
| Uninsured deposits | 2.9% (stronger) | 12.3% |
| Offices | 14 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 37.5% | — |
Family Security Credit Union has the higher TellerScore (95 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Family Security Credit Union leads on 7 and Guardian Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.