Side-by-side · Q2 2026 data
Five Star Credit Union vs Guardian Credit Union
Metric by metric
| Measure | Five Star Credit Union | Guardian Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 57 |
| Capital cushion | 88 (stronger) | 45 |
| Loan quality | 50 | 52 (stronger) |
| Earnings | 63 | 67 (stronger) |
| Funding & liquidity | 81 (stronger) | 66 |
| Problem-loan coverage | 84 (stronger) | 75 |
| Peer percentile | 66th | 17th |
| Total assets | $1.3B | $1.3B |
| Deposits / shares | $1.1B | $1.0B |
| Capital ratio | 13.82% (stronger) | 9.46% |
| Problem loans | 1.50% | 1.45% (stronger) |
| Net charge-offs | 0.53% (stronger) | 0.92% |
| Return on assets | 1.09% | 1.18% (stronger) |
| Loans ÷ deposits | 79.2% (stronger) | 93.8% |
| Uninsured deposits | 11.8% (stronger) | 12.3% |
| Offices | 26 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 27.7% | — |
Five Star Credit Union has the higher TellerScore (72 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Five Star Credit Union leads on 5 and Guardian Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.