Side-by-side · Q2 2026 data
Hialeah Municipal Employees Federal Credit Union vs Guardians Credit Union
Credit union
Hialeah Municipal Employees Federal Credit Union
Hialeah, Florida · Under $100 million in assets
Metric by metric
| Measure | Hialeah Municipal Employees Federal Credit Union | Guardians Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 80 |
| Capital cushion | 100 (stronger) | 97 |
| Loan quality | 99 (stronger) | 86 |
| Earnings | 22 | 41 (stronger) |
| Funding & liquidity | 81 (stronger) | 79 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 68th | 78th |
| Total assets | $14.2M | $309.5M |
| Deposits / shares | $10.9M | $256.4M |
| Capital ratio | 22.90% (stronger) | 14.68% |
| Problem loans | 0.04% (stronger) | 0.42% |
| Net charge-offs | 0.06% (stronger) | 0.93% |
| Return on assets | 0.05% | 0.52% (stronger) |
| Loans ÷ deposits | 78.8% (stronger) | 80.9% |
| Uninsured deposits | 0.0% (stronger) | 4.3% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 43.2% |
Hialeah Municipal Employees Federal Credit Union has the higher TellerScore (81 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Hialeah Municipal Employees Federal Credit Union leads on 6 and Guardians Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.