Side-by-side · Q2 2026 data
Guardian Credit Union vs Unitedone Credit Union
Metric by metric
| Measure | Guardian Credit Union | Unitedone Credit Union |
|---|---|---|
| TellerScore | 70 | 73 (stronger) |
| Capital cushion | 53 | 68 (stronger) |
| Loan quality | 86 | 92 (stronger) |
| Earnings | 40 | 57 (stronger) |
| Funding & liquidity | 99 (stronger) | 58 |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 51st | 60th |
| Total assets | $294.2M | $348.3M |
| Deposits / shares | $259.3M | $282.7M |
| Capital ratio | 10.35% | 11.82% (stronger) |
| Problem loans | 0.42% | 0.24% (stronger) |
| Net charge-offs | 0.35% | 0.12% (stronger) |
| Return on assets | 0.50% | 0.92% (stronger) |
| Loans ÷ deposits | 60.8% (stronger) | 102.3% |
| Uninsured deposits | 5.5% (stronger) | 6.2% |
| Offices | 7 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.8% |
Unitedone Credit Union has the higher TellerScore (73 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Guardian Credit Union leads on 2 and Unitedone Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.