Side-by-side · Q2 2026 data
Guardian Savings Bank vs Autotruck Financial Credit Union
Metric by metric
| Measure | Guardian Savings Bank | Autotruck Financial Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 72 |
| Capital cushion | 64 | 81 (stronger) |
| Loan quality | 93 (stronger) | 59 |
| Earnings | 100 (stronger) | 44 |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 91 |
| Peer percentile | 94th | 57th |
| Total assets | $1.4B | $220.4M |
| Deposits / shares | $1.2B | $189.6M |
| Capital ratio | 11.39% | 13.05% (stronger) |
| Problem loans | 0.20% (stronger) | 1.22% |
| Net charge-offs | -0.00% (stronger) | 0.41% |
| Return on assets | 2.00% (stronger) | 0.59% |
| Loans ÷ deposits | 88.1% | 45.2% (stronger) |
| Uninsured deposits | 13.7% | 4.6% (stronger) |
| Offices | 13 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | 42.9% |
Guardian Savings Bank has the higher TellerScore (83 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Guardian Savings Bank leads on 4 and Autotruck Financial Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.