Side-by-side · Q2 2026 data
Miami Firefighters Federal Credit Union vs Guardians Credit Union
Metric by metric
| Measure | Miami Firefighters Federal Credit Union | Guardians Credit Union |
|---|---|---|
| TellerScore | 76 | 80 (stronger) |
| Capital cushion | 75 | 97 (stronger) |
| Loan quality | 87 (stronger) | 86 |
| Earnings | 56 (stronger) | 41 |
| Funding & liquidity | 72 | 79 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 68th | 78th |
| Total assets | $189.2M | $309.5M |
| Deposits / shares | $165.1M | $256.4M |
| Capital ratio | 12.52% | 14.68% (stronger) |
| Problem loans | 0.39% (stronger) | 0.42% |
| Net charge-offs | 0.21% (stronger) | 0.93% |
| Return on assets | 0.89% (stronger) | 0.52% |
| Loans ÷ deposits | 83.8% | 80.9% (stronger) |
| Uninsured deposits | 18.4% | 4.3% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 26.8% | 43.2% |
Guardians Credit Union has the higher TellerScore (80 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Miami Firefighters Federal Credit Union leads on 3 and Guardians Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.