Side-by-side · Q2 2026 data
Guaranty Bank vs Foundation Credit Union
Metric by metric
| Measure | Guaranty Bank | Foundation Credit Union |
|---|---|---|
| TellerScore | 68 | 79 (stronger) |
| Capital cushion | 73 | 93 (stronger) |
| Loan quality | 71 | 89 (stronger) |
| Earnings | 58 (stronger) | 43 |
| Funding & liquidity | 50 | 70 (stronger) |
| Problem-loan coverage | 92 | 97 (stronger) |
| Peer percentile | 49th | 62nd |
| Total assets | $2.4B | $76.6M |
| Deposits / shares | $1.9B | $64.5M |
| Capital ratio | 12.34% | 14.31% (stronger) |
| Problem loans | 0.88% | 0.33% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.27% |
| Return on assets | 0.95% (stronger) | 0.59% |
| Loans ÷ deposits | 96.1% | 89.8% (stronger) |
| Uninsured deposits | 27.7% | 7.8% (stronger) |
| Offices | 13 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.5% | 0.0% |
Foundation Credit Union has the higher TellerScore (79 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Guaranty Bank leads on 2 and Foundation Credit Union on 5. 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.