Side-by-side · Q2 2026 data
Guardian Savings Bank vs Class Act Federal Credit Union
Metric by metric
| Measure | Guardian Savings Bank | Class Act Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 71 |
| Capital cushion | 64 (stronger) | 59 |
| Loan quality | 93 (stronger) | 79 |
| Earnings | 100 (stronger) | 60 |
| Funding & liquidity | 72 | 82 (stronger) |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 94th | 54th |
| Total assets | $1.4B | $365.0M |
| Deposits / shares | $1.2B | $320.8M |
| Capital ratio | 11.39% (stronger) | 10.85% |
| Problem loans | 0.20% (stronger) | 0.62% |
| Net charge-offs | -0.00% (stronger) | 0.61% |
| Return on assets | 2.00% (stronger) | 1.00% |
| Loans ÷ deposits | 88.1% | 77.8% (stronger) |
| Uninsured deposits | 13.7% | 3.3% (stronger) |
| Offices | 13 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | 27.0% |
Guardian Savings Bank has the higher TellerScore (83 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Guardian Savings Bank leads on 5 and Class Act Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.