Side-by-side · Q2 2026 data
Helm Bank USA vs Guardians Credit Union
Metric by metric
| Measure | Helm Bank USA | Guardians Credit Union |
|---|---|---|
| TellerScore | 59 | 80 (stronger) |
| Capital cushion | 62 | 97 (stronger) |
| Loan quality | 45 | 86 (stronger) |
| Earnings | 64 (stronger) | 41 |
| Funding & liquidity | 56 | 79 (stronger) |
| Problem-loan coverage | 82 | 96 (stronger) |
| Peer percentile | 19th | 78th |
| Total assets | $1.2B | $309.5M |
| Deposits / shares | $1.1B | $256.4M |
| Capital ratio | 11.18% | 14.68% (stronger) |
| Problem loans | 1.65% | 0.42% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.93% |
| Return on assets | 1.09% (stronger) | 0.52% |
| Loans ÷ deposits | 61.4% (stronger) | 80.9% |
| Uninsured deposits | 53.6% | 4.3% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.3% | 43.2% |
Guardians Credit Union has the higher TellerScore (80 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Helm Bank USA leads on 3 and Guardians Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.