Side-by-side · Q2 2026 data
Guardian Credit Union vs Avadian Credit Union
Metric by metric
| Measure | Guardian Credit Union | Avadian Credit Union |
|---|---|---|
| TellerScore | 57 | 69 (stronger) |
| Capital cushion | 45 | 53 (stronger) |
| Loan quality | 52 | 85 (stronger) |
| Earnings | 67 (stronger) | 62 |
| Funding & liquidity | 66 | 71 (stronger) |
| Problem-loan coverage | 75 | 90 (stronger) |
| Peer percentile | 17th | 54th |
| Total assets | $1.3B | $1.4B |
| Deposits / shares | $1.0B | $1.3B |
| Capital ratio | 9.46% | 10.31% (stronger) |
| Problem loans | 1.45% | 0.46% (stronger) |
| Net charge-offs | 0.92% | 0.33% (stronger) |
| Return on assets | 1.18% (stronger) | 1.06% |
| Loans ÷ deposits | 93.8% | 89.0% (stronger) |
| Uninsured deposits | 12.3% | 6.4% (stronger) |
| Offices | 18 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Avadian Credit Union has the higher TellerScore (69 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Guardian Credit Union leads on 1 and Avadian Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.