Side-by-side · Q2 2026 data
Guardian Savings Bank vs L & N Federal Credit Union
Metric by metric
| Measure | Guardian Savings Bank | L & N Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 72 |
| Capital cushion | 64 (stronger) | 56 |
| Loan quality | 93 (stronger) | 91 |
| Earnings | 100 (stronger) | 64 |
| Funding & liquidity | 72 (stronger) | 69 |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 94th | 66th |
| Total assets | $1.4B | $2.6B |
| Deposits / shares | $1.2B | $2.3B |
| Capital ratio | 11.39% (stronger) | 10.55% |
| Problem loans | 0.20% (stronger) | 0.26% |
| Net charge-offs | -0.00% (stronger) | 0.06% |
| Return on assets | 2.00% (stronger) | 1.11% |
| Loans ÷ deposits | 88.1% (stronger) | 91.7% |
| Uninsured deposits | 13.7% (stronger) | 13.9% |
| Offices | 13 | 25 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | 8.7% |
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 7 and L & N Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.