Side-by-side · Q2 2026 data
Guardian Bank vs Southern Pine Credit Union
Metric by metric
| Measure | Guardian Bank | Southern Pine Credit Union |
|---|---|---|
| TellerScore | 65 | 82 (stronger) |
| Capital cushion | 65 | 100 (stronger) |
| Loan quality | 50 | 74 (stronger) |
| Earnings | 82 (stronger) | 58 |
| Funding & liquidity | 60 | 83 (stronger) |
| Problem-loan coverage | 80 | 96 (stronger) |
| Peer percentile | 29th | 70th |
| Total assets | $597.9M | $27.6M |
| Deposits / shares | $524.3M | $20.9M |
| Capital ratio | 11.55% | 23.71% (stronger) |
| Problem loans | 1.49% | 0.79% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.54% (stronger) | 0.95% |
| Loans ÷ deposits | 68.5% (stronger) | 77.0% |
| Uninsured deposits | 43.2% | 0.1% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.3% | — |
Southern Pine Credit Union has the higher TellerScore (82 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Guardian Bank leads on 2 and Southern Pine 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.