Side-by-side · Q2 2026 data
Miami Federal Credit Union vs Guardians Credit Union
Metric by metric
| Measure | Miami Federal Credit Union | Guardians Credit Union |
|---|---|---|
| TellerScore | 63 | 80 (stronger) |
| Capital cushion | 69 | 97 (stronger) |
| Loan quality | 64 | 86 (stronger) |
| Earnings | 34 | 41 (stronger) |
| Funding & liquidity | 75 | 79 (stronger) |
| Problem-loan coverage | 85 | 96 (stronger) |
| Peer percentile | 26th | 78th |
| Total assets | $45.2M | $309.5M |
| Deposits / shares | $38.2M | $256.4M |
| Capital ratio | 11.92% | 14.68% (stronger) |
| Problem loans | 1.08% | 0.42% (stronger) |
| Net charge-offs | 0.16% (stronger) | 0.93% |
| Return on assets | 0.35% | 0.52% (stronger) |
| Loans ÷ deposits | 85.2% | 80.9% (stronger) |
| Uninsured deposits | 7.0% | 4.3% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 43.2% |
Guardians Credit Union has the higher TellerScore (80 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Miami Federal Credit Union leads on 1 and Guardians Credit Union on 6. 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.