Side-by-side · Q2 2026 data
Guardian Credit Union vs 1st Community Credit Union
Metric by metric
| Measure | Guardian Credit Union | 1st Community Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 68 |
| Capital cushion | 53 (stronger) | 52 |
| Loan quality | 86 (stronger) | 72 |
| Earnings | 40 | 72 (stronger) |
| Funding & liquidity | 99 (stronger) | 76 |
| Problem-loan coverage | 96 (stronger) | 88 |
| Peer percentile | 51st | 45th |
| Total assets | $294.2M | $287.6M |
| Deposits / shares | $259.3M | $254.8M |
| Capital ratio | 10.35% (stronger) | 10.16% |
| Problem loans | 0.42% (stronger) | 0.83% |
| Net charge-offs | 0.35% | 0.20% (stronger) |
| Return on assets | 0.50% | 1.31% (stronger) |
| Loans ÷ deposits | 60.8% (stronger) | 84.4% |
| Uninsured deposits | 5.5% | 4.0% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 19.3% |
Guardian Credit Union has the higher TellerScore (70 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Guardian Credit Union leads on 4 and 1st Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.