Side-by-side · Q2 2026 data
First Citizens Bank vs Guardian Credit Union
Metric by metric
| Measure | First Citizens Bank | Guardian Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 57 |
| Capital cushion | 93 (stronger) | 45 |
| Loan quality | 75 (stronger) | 52 |
| Earnings | 100 (stronger) | 67 |
| Funding & liquidity | 78 (stronger) | 66 |
| Problem-loan coverage | 82 (stronger) | 75 |
| Peer percentile | 91st | 17th |
| Total assets | $402.6M | $1.3B |
| Deposits / shares | $344.1M | $1.0B |
| Capital ratio | 14.30% (stronger) | 9.46% |
| Problem loans | 0.76% (stronger) | 1.45% |
| Net charge-offs | -0.00% (stronger) | 0.92% |
| Return on assets | 2.01% (stronger) | 1.18% |
| Loans ÷ deposits | 66.4% (stronger) | 93.8% |
| Uninsured deposits | 29.5% | 12.3% (stronger) |
| Offices | 5 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.0% | — |
First Citizens Bank has the higher TellerScore (87 vs 57). On the 7 directional measures above (where higher or lower is clearly better), First Citizens Bank leads on 6 and Guardian Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.