Side-by-side · Q2 2026 data
Harvesters Federal Credit Union vs Guardians Credit Union
Metric by metric
| Measure | Harvesters Federal Credit Union | Guardians Credit Union |
|---|---|---|
| TellerScore | 60 | 80 (stronger) |
| Capital cushion | 44 | 97 (stronger) |
| Loan quality | 72 | 86 (stronger) |
| Earnings | 56 (stronger) | 41 |
| Funding & liquidity | 74 | 79 (stronger) |
| Problem-loan coverage | 60 | 96 (stronger) |
| Peer percentile | 21st | 78th |
| Total assets | $316.8M | $309.5M |
| Deposits / shares | $284.1M | $256.4M |
| Capital ratio | 9.42% | 14.68% (stronger) |
| Problem loans | 0.83% | 0.42% (stronger) |
| Net charge-offs | 0.44% (stronger) | 0.93% |
| Return on assets | 0.89% (stronger) | 0.52% |
| Loans ÷ deposits | 86.7% | 80.9% (stronger) |
| Uninsured deposits | 11.5% | 4.3% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.8% | 43.2% |
Guardians Credit Union has the higher TellerScore (80 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Harvesters Federal Credit Union leads on 2 and Guardians Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.