Side-by-side · Q2 2026 data
Fedmont Federal Credit Union vs Guardian Credit Union
Metric by metric
| Measure | Fedmont Federal Credit Union | Guardian Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 57 |
| Capital cushion | 84 (stronger) | 45 |
| Loan quality | 83 (stronger) | 52 |
| Earnings | 22 | 67 (stronger) |
| Funding & liquidity | 100 (stronger) | 66 |
| Problem-loan coverage | 98 (stronger) | 75 |
| Peer percentile | 52nd | 17th |
| Total assets | $13.0M | $1.3B |
| Deposits / shares | $11.2M | $1.0B |
| Capital ratio | 13.37% (stronger) | 9.46% |
| Problem loans | 0.52% (stronger) | 1.45% |
| Net charge-offs | -0.00% (stronger) | 0.92% |
| Return on assets | 0.06% | 1.18% (stronger) |
| Loans ÷ deposits | 36.1% (stronger) | 93.8% |
| Uninsured deposits | 0.0% (stronger) | 12.3% |
| Offices | 1 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Fedmont Federal Credit Union has the higher TellerScore (75 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Fedmont Federal Credit Union leads on 6 and Guardian Credit Union on 1. 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.