Side-by-side · Q2 2026 data
Guaranty Bank vs Telcomm Credit Union
Metric by metric
| Measure | Guaranty Bank | Telcomm Credit Union |
|---|---|---|
| TellerScore | 68 | 77 (stronger) |
| Capital cushion | 73 | 82 (stronger) |
| Loan quality | 71 | 92 (stronger) |
| Earnings | 58 (stronger) | 41 |
| Funding & liquidity | 50 | 75 (stronger) |
| Problem-loan coverage | 92 | 96 (stronger) |
| Peer percentile | 49th | 71st |
| Total assets | $2.4B | $337.9M |
| Deposits / shares | $1.9B | $286.3M |
| Capital ratio | 12.34% | 13.18% (stronger) |
| Problem loans | 0.88% | 0.25% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.55% |
| Return on assets | 0.95% (stronger) | 0.54% |
| Loans ÷ deposits | 96.1% | 85.6% (stronger) |
| Uninsured deposits | 27.7% | 2.2% (stronger) |
| Offices | 13 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.5% | 22.8% |
Telcomm Credit Union has the higher TellerScore (77 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Guaranty Bank leads on 2 and Telcomm 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.