Side-by-side · Q2 2026 data
Miami Postal Service Credit Union vs Guardians Credit Union
Metric by metric
| Measure | Miami Postal Service Credit Union | Guardians Credit Union |
|---|---|---|
| TellerScore | 64 | 80 (stronger) |
| Capital cushion | 43 | 97 (stronger) |
| Loan quality | 91 (stronger) | 86 |
| Earnings | 27 | 41 (stronger) |
| Funding & liquidity | 89 (stronger) | 79 |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 31st | 78th |
| Total assets | $184.3M | $309.5M |
| Deposits / shares | $164.7M | $256.4M |
| Capital ratio | 9.25% | 14.68% (stronger) |
| Problem loans | 0.26% (stronger) | 0.42% |
| Net charge-offs | 1.05% | 0.93% (stronger) |
| Return on assets | 0.16% | 0.52% (stronger) |
| Loans ÷ deposits | 70.9% (stronger) | 80.9% |
| Uninsured deposits | 9.3% | 4.3% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 43.2% |
Guardians Credit Union has the higher TellerScore (80 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Miami Postal Service 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.