Side-by-side · Q2 2026 data
First Community Bank of Central Alabama vs Guardian Credit Union
Metric by metric
| Measure | First Community Bank of Central Alabama | Guardian Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 57 |
| Capital cushion | 36 | 45 (stronger) |
| Loan quality | 97 (stronger) | 52 |
| Earnings | 100 (stronger) | 67 |
| Funding & liquidity | 61 | 66 (stronger) |
| Problem-loan coverage | 97 (stronger) | 75 |
| Peer percentile | 57th | 17th |
| Total assets | $694.3M | $1.3B |
| Deposits / shares | $638.3M | $1.0B |
| Capital ratio | 8.57% | 9.46% (stronger) |
| Problem loans | 0.10% (stronger) | 1.45% |
| Net charge-offs | 0.02% (stronger) | 0.92% |
| Return on assets | 2.44% (stronger) | 1.18% |
| Loans ÷ deposits | 77.7% (stronger) | 93.8% |
| Uninsured deposits | 34.6% | 12.3% (stronger) |
| Offices | 9 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Community Bank of Central Alabama has the higher TellerScore (74 vs 57). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank of Central Alabama leads on 5 and Guardian Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Prattville, AL
- Tallassee, AL
- Wetumpka, AL
- Eclectic, AL