Side-by-side · Q2 2026 data
Guardian Savings Bank vs Kemba Louisville Credit Union
Credit union
Kemba Louisville Credit Union
Louisville, Kentucky · Under $100 million in assets
Metric by metric
| Measure | Guardian Savings Bank | Kemba Louisville Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 65 |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 93 (stronger) | 9 |
| Earnings | 100 (stronger) | 44 |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 94th | 30th |
| Total assets | $1.4B | $59.3M |
| Deposits / shares | $1.2B | $46.3M |
| Capital ratio | 11.39% | 20.80% (stronger) |
| Problem loans | 0.20% (stronger) | 2.72% |
| Net charge-offs | -0.00% (stronger) | 2.23% |
| Return on assets | 2.00% (stronger) | 0.60% |
| Loans ÷ deposits | 88.1% | 25.5% (stronger) |
| Uninsured deposits | 13.7% | 4.1% (stronger) |
| Offices | 13 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | — |
Guardian Savings Bank has the higher TellerScore (83 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Guardian Savings Bank leads on 4 and Kemba Louisville 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.