Side-by-side · Q2 2026 data
Guardian Savings Bank vs University of Kentucky Federal Credit Union
Credit union
University of Kentucky Federal Credit Union
Lexington, Kentucky · $1 billion – $10 billion
Metric by metric
| Measure | Guardian Savings Bank | University of Kentucky Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 57 |
| Capital cushion | 64 (stronger) | 59 |
| Loan quality | 93 (stronger) | 68 |
| Earnings | 100 (stronger) | 31 |
| Funding & liquidity | 72 (stronger) | 50 |
| Problem-loan coverage | 97 (stronger) | 85 |
| Peer percentile | 94th | 17th |
| Total assets | $1.4B | $1.8B |
| Deposits / shares | $1.2B | $1.4B |
| Capital ratio | 11.39% (stronger) | 10.91% |
| Problem loans | 0.20% (stronger) | 0.97% |
| Net charge-offs | -0.00% (stronger) | 0.47% |
| Return on assets | 2.00% (stronger) | 0.28% |
| Loans ÷ deposits | 88.1% (stronger) | 110.6% |
| Uninsured deposits | 13.7% | 9.4% (stronger) |
| Offices | 13 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | — |
Guardian Savings Bank has the higher TellerScore (83 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Guardian Savings Bank leads on 6 and University of Kentucky Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.