Side-by-side · Q2 2026 data
Guardian Savings Bank vs Transcend Credit Union
Metric by metric
| Measure | Guardian Savings Bank | Transcend Credit Union |
|---|---|---|
| TellerScore | 83 | 83 |
| Capital cushion | 64 | 84 (stronger) |
| Loan quality | 93 | 96 (stronger) |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 72 (stronger) | 69 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 94th | 83rd |
| Total assets | $1.4B | $588.3M |
| Deposits / shares | $1.2B | $473.2M |
| Capital ratio | 11.39% | 13.37% (stronger) |
| Problem loans | 0.20% | 0.13% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.18% |
| Return on assets | 2.00% (stronger) | 1.19% |
| Loans ÷ deposits | 88.1% (stronger) | 91.0% |
| Uninsured deposits | 13.7% | 9.8% (stronger) |
| Offices | 13 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Guardian Savings Bank leads on 3 and Transcend Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.