Side-by-side · Q2 2026 data
Gold Coast Federal Credit Union vs Guardians Credit Union
Metric by metric
| Measure | Gold Coast Federal Credit Union | Guardians Credit Union |
|---|---|---|
| TellerScore | 75 | 80 (stronger) |
| Capital cushion | 69 | 97 (stronger) |
| Loan quality | 86 | 86 |
| Earnings | 43 (stronger) | 41 |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 66th | 78th |
| Total assets | $269.8M | $309.5M |
| Deposits / shares | $239.9M | $256.4M |
| Capital ratio | 11.91% | 14.68% (stronger) |
| Problem loans | 0.43% | 0.42% (stronger) |
| Net charge-offs | 0.20% (stronger) | 0.93% |
| Return on assets | 0.58% (stronger) | 0.52% |
| Loans ÷ deposits | 54.6% (stronger) | 80.9% |
| Uninsured deposits | 3.5% (stronger) | 4.3% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.7% | 43.2% |
Guardians Credit Union has the higher TellerScore (80 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Gold Coast Federal Credit Union leads on 4 and Guardians Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.