Side-by-side · Q2 2026 data
Guardians Credit Union vs Tropical Financial Credit Union
Metric by metric
| Measure | Guardians Credit Union | Tropical Financial Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 58 |
| Capital cushion | 97 (stronger) | 45 |
| Loan quality | 86 (stronger) | 71 |
| Earnings | 41 | 44 (stronger) |
| Funding & liquidity | 79 (stronger) | 65 |
| Problem-loan coverage | 96 (stronger) | 83 |
| Peer percentile | 78th | 19th |
| Total assets | $309.5M | $1.0B |
| Deposits / shares | $256.4M | $884.2M |
| Capital ratio | 14.68% (stronger) | 9.47% |
| Problem loans | 0.42% (stronger) | 0.88% |
| Net charge-offs | 0.93% | 0.59% (stronger) |
| Return on assets | 0.52% | 0.61% (stronger) |
| Loans ÷ deposits | 80.9% (stronger) | 95.2% |
| Uninsured deposits | 4.3% (stronger) | 7.7% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 43.2% | 47.5% |
Guardians Credit Union has the higher TellerScore (80 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Guardians Credit Union leads on 5 and Tropical Financial Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.