Side-by-side · Q2 2026 data
Guardian Savings Bank vs Members Heritage Credit Union
Metric by metric
| Measure | Guardian Savings Bank | Members Heritage Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 71 |
| Capital cushion | 64 | 74 (stronger) |
| Loan quality | 93 (stronger) | 69 |
| Earnings | 100 (stronger) | 47 |
| Funding & liquidity | 72 | 87 (stronger) |
| Problem-loan coverage | 97 (stronger) | 91 |
| Peer percentile | 94th | 54th |
| Total assets | $1.4B | $590.8M |
| Deposits / shares | $1.2B | $515.8M |
| Capital ratio | 11.39% | 12.39% (stronger) |
| Problem loans | 0.20% (stronger) | 0.92% |
| Net charge-offs | -0.00% (stronger) | 0.26% |
| Return on assets | 2.00% (stronger) | 0.68% |
| Loans ÷ deposits | 88.1% | 72.9% (stronger) |
| Uninsured deposits | 13.7% | 7.0% (stronger) |
| Offices | 13 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | 3.5% |
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 4 and Members Heritage Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.