Side-by-side · Q2 2026 data
Guaranty Bank and Trust Company vs Delta Federal Credit Union
Credit union
Delta Federal Credit Union
Greenville, Mississippi · Under $100 million in assets
Metric by metric
| Measure | Guaranty Bank and Trust Company | Delta Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 98 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 33 | 91 (stronger) |
| Earnings | 64 | 100 (stronger) |
| Funding & liquidity | 68 | 100 (stronger) |
| Problem-loan coverage | 73 | 99 (stronger) |
| Peer percentile | 13th | 98th |
| Total assets | $3.1B | $8.9M |
| Deposits / shares | $2.6B | $6.3M |
| Capital ratio | 10.42% | 29.19% (stronger) |
| Problem loans | 2.01% | 0.27% (stronger) |
| Net charge-offs | 0.11% (stronger) | 1.25% |
| Return on assets | 1.11% | 2.76% (stronger) |
| Loans ÷ deposits | 82.1% | 49.9% (stronger) |
| Uninsured deposits | 24.5% | 0.0% (stronger) |
| Offices | 38 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.4% | — |
Delta Federal Credit Union has the higher TellerScore (98 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Guaranty Bank and Trust Company leads on 1 and Delta Federal Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Greenville, MS
- Indianola, MS