Side-by-side · Q2 2026 data
Guardian Savings Bank vs The Health & Education Federal Credit Union
Credit union
The Health & Education Federal Credit Union
Lexington, Kentucky · $100 million – $1 billion
Metric by metric
| Measure | Guardian Savings Bank | The Health & Education Federal Credit Union |
|---|---|---|
| TellerScore | 83 | 97 (stronger) |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 93 (stronger) | 92 |
| Earnings | 100 (stronger) | 95 |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 94th | 99th |
| Total assets | $1.4B | $125.8M |
| Deposits / shares | $1.2B | $104.5M |
| Capital ratio | 11.39% | 17.66% (stronger) |
| Problem loans | 0.20% (stronger) | 0.23% |
| Net charge-offs | -0.00% (stronger) | 0.32% |
| Return on assets | 2.00% (stronger) | 1.87% |
| Loans ÷ deposits | 88.1% | 43.4% (stronger) |
| Uninsured deposits | 13.7% | 2.5% (stronger) |
| Offices | 13 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | 9.7% |
The Health & Education Federal Credit Union has the higher TellerScore (97 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Guardian Savings Bank leads on 3 and The Health & Education Federal 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.