Side-by-side · Q2 2026 data
Guardians Credit Union vs First Choice Credit Union
Metric by metric
| Measure | Guardians Credit Union | First Choice Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 68 |
| Capital cushion | 97 (stronger) | 54 |
| Loan quality | 86 (stronger) | 80 |
| Earnings | 41 (stronger) | 36 |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 78th | 45th |
| Total assets | $309.5M | $161.3M |
| Deposits / shares | $256.4M | $146.5M |
| Capital ratio | 14.68% (stronger) | 10.44% |
| Problem loans | 0.42% (stronger) | 0.60% |
| Net charge-offs | 0.93% | 0.33% (stronger) |
| Return on assets | 0.52% (stronger) | 0.41% |
| Loans ÷ deposits | 80.9% | 53.7% (stronger) |
| Uninsured deposits | 4.3% (stronger) | 7.0% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 43.2% | — |
Guardians Credit Union has the higher TellerScore (80 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Guardians Credit Union leads on 5 and First Choice Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.