Side-by-side · Q2 2026 data
Guaranty Bank vs Multi-States Credit Union
Metric by metric
| Measure | Guaranty Bank | Multi-States Credit Union |
|---|---|---|
| TellerScore | 68 | 78 (stronger) |
| Capital cushion | 73 | 75 (stronger) |
| Loan quality | 71 | 88 (stronger) |
| Earnings | 58 | 65 (stronger) |
| Funding & liquidity | 50 | 71 (stronger) |
| Problem-loan coverage | 92 | 95 (stronger) |
| Peer percentile | 49th | 59th |
| Total assets | $2.4B | $90.9M |
| Deposits / shares | $1.9B | $78.9M |
| Capital ratio | 12.34% | 12.46% (stronger) |
| Problem loans | 0.88% | 0.36% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 0.95% | 1.13% (stronger) |
| Loans ÷ deposits | 96.1% | 89.4% (stronger) |
| Uninsured deposits | 27.7% | 2.7% (stronger) |
| Offices | 13 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.5% | — |
Multi-States Credit Union has the higher TellerScore (78 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Guaranty Bank leads on 1 and Multi-States 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.