Side-by-side · Q2 2026 data
Guardian Credit Union vs Alabama One Credit Union
Metric by metric
| Measure | Guardian Credit Union | Alabama One Credit Union |
|---|---|---|
| TellerScore | 57 | 59 (stronger) |
| Capital cushion | 45 (stronger) | 41 |
| Loan quality | 52 | 72 (stronger) |
| Earnings | 67 (stronger) | 44 |
| Funding & liquidity | 66 | 78 (stronger) |
| Problem-loan coverage | 75 | 85 (stronger) |
| Peer percentile | 17th | 22nd |
| Total assets | $1.3B | $1.5B |
| Deposits / shares | $1.0B | $1.4B |
| Capital ratio | 9.46% (stronger) | 9.08% |
| Problem loans | 1.45% | 0.85% (stronger) |
| Net charge-offs | 0.92% | 0.20% (stronger) |
| Return on assets | 1.18% (stronger) | 0.59% |
| Loans ÷ deposits | 93.8% | 82.2% (stronger) |
| Uninsured deposits | 12.3% | 11.9% (stronger) |
| Offices | 18 | 30 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Alabama One Credit Union has the higher TellerScore (59 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Guardian Credit Union leads on 2 and Alabama One Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.