Side-by-side · Q2 2026 data
Guardian Savings Bank vs St. James Parish Credit Union
Metric by metric
| Measure | Guardian Savings Bank | St. James Parish Credit Union |
|---|---|---|
| TellerScore | 83 | 90 (stronger) |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 93 | 100 (stronger) |
| Earnings | 100 (stronger) | 72 |
| Funding & liquidity | 72 (stronger) | 68 |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 94th | 89th |
| Total assets | $1.4B | $5.9M |
| Deposits / shares | $1.2B | $4.4M |
| Capital ratio | 11.39% | 21.83% (stronger) |
| Problem loans | 0.20% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.66% |
| Return on assets | 2.00% (stronger) | 1.29% |
| Loans ÷ deposits | 88.1% (stronger) | 92.4% |
| Uninsured deposits | 13.7% | 0.0% (stronger) |
| Offices | 13 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | — |
St. James Parish Credit Union has the higher TellerScore (90 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Guardian Savings Bank leads on 3 and St. James Parish Credit Union on 4. 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.