Side-by-side · Q2 2026 data
Guardian Credit Union vs Family Savings Credit Union
Metric by metric
| Measure | Guardian Credit Union | Family Savings Credit Union |
|---|---|---|
| TellerScore | 57 (stronger) | 55 |
| Capital cushion | 45 (stronger) | 39 |
| Loan quality | 52 | 66 (stronger) |
| Earnings | 67 (stronger) | 46 |
| Funding & liquidity | 66 (stronger) | 63 |
| Problem-loan coverage | 75 | 80 (stronger) |
| Peer percentile | 17th | 13th |
| Total assets | $1.3B | $1.2B |
| Deposits / shares | $1.0B | $999.6M |
| Capital ratio | 9.46% (stronger) | 8.86% |
| Problem loans | 1.45% | 1.03% (stronger) |
| Net charge-offs | 0.92% | 0.38% (stronger) |
| Return on assets | 1.18% (stronger) | 0.65% |
| Loans ÷ deposits | 93.8% (stronger) | 96.9% |
| Uninsured deposits | 12.3% | 6.8% (stronger) |
| Offices | 18 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.7% |
Guardian Credit Union has the higher TellerScore (57 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Guardian Credit Union leads on 4 and Family Savings Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.