Side-by-side · Q2 2026 data
Guardian Credit Union vs Max Credit Union
Metric by metric
| Measure | Guardian Credit Union | Max Credit Union |
|---|---|---|
| TellerScore | 57 | 89 (stronger) |
| Capital cushion | 45 | 95 (stronger) |
| Loan quality | 52 | 77 (stronger) |
| Earnings | 67 | 84 (stronger) |
| Funding & liquidity | 66 | 100 (stronger) |
| Problem-loan coverage | 75 | 94 (stronger) |
| Peer percentile | 17th | 97th |
| Total assets | $1.3B | $2.4B |
| Deposits / shares | $1.0B | $2.1B |
| Capital ratio | 9.46% | 14.52% (stronger) |
| Problem loans | 1.45% | 0.68% (stronger) |
| Net charge-offs | 0.92% | 0.45% (stronger) |
| Return on assets | 1.18% | 1.60% (stronger) |
| Loans ÷ deposits | 93.8% | 56.2% (stronger) |
| Uninsured deposits | 12.3% | 8.0% (stronger) |
| Offices | 18 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 27.0% |
Max Credit Union has the higher TellerScore (89 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Guardian Credit Union leads on 0 and Max Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.