Side-by-side · Q2 2026 data
Guardians Credit Union vs Panhandle Credit Union
Metric by metric
| Measure | Guardians Credit Union | Panhandle Credit Union |
|---|---|---|
| TellerScore | 80 | 87 (stronger) |
| Capital cushion | 97 (stronger) | 85 |
| Loan quality | 86 | 91 (stronger) |
| Earnings | 41 | 72 (stronger) |
| Funding & liquidity | 79 | 94 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 78th | 91st |
| Total assets | $309.5M | $367.9M |
| Deposits / shares | $256.4M | $313.8M |
| Capital ratio | 14.68% (stronger) | 13.46% |
| Problem loans | 0.42% | 0.27% (stronger) |
| Net charge-offs | 0.93% | 0.24% (stronger) |
| Return on assets | 0.52% | 1.29% (stronger) |
| Loans ÷ deposits | 80.9% | 66.2% (stronger) |
| Uninsured deposits | 4.3% (stronger) | 9.5% |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 43.2% | 12.1% |
Panhandle Credit Union has the higher TellerScore (87 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Guardians Credit Union leads on 2 and Panhandle Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.