Side-by-side · Q2 2026 data
Grove Bank & Trust vs Guardians Credit Union
Metric by metric
| Measure | Grove Bank & Trust | Guardians Credit Union |
|---|---|---|
| TellerScore | 68 | 80 (stronger) |
| Capital cushion | 50 | 97 (stronger) |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 47 (stronger) | 41 |
| Funding & liquidity | 55 | 79 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 49th | 78th |
| Total assets | $1.4B | $309.5M |
| Deposits / shares | $1.2B | $256.4M |
| Capital ratio | 9.96% | 14.68% (stronger) |
| Problem loans | 0.01% (stronger) | 0.42% |
| Net charge-offs | 0.02% (stronger) | 0.93% |
| Return on assets | 0.68% (stronger) | 0.52% |
| Loans ÷ deposits | 70.8% (stronger) | 80.9% |
| Uninsured deposits | 45.5% | 4.3% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 43.2% |
Guardians Credit Union has the higher TellerScore (80 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Grove Bank & Trust leads on 4 and Guardians Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.