Side-by-side · Q2 2026 data
Ocean Bank vs Guardians Credit Union
Metric by metric
| Measure | Ocean Bank | Guardians Credit Union |
|---|---|---|
| TellerScore | 63 | 80 (stronger) |
| Capital cushion | 50 | 97 (stronger) |
| Loan quality | 87 (stronger) | 86 |
| Earnings | 63 (stronger) | 41 |
| Funding & liquidity | 27 | 79 (stronger) |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 30th | 78th |
| Total assets | $7.6B | $309.5M |
| Deposits / shares | $6.2B | $256.4M |
| Capital ratio | 9.96% | 14.68% (stronger) |
| Problem loans | 0.38% (stronger) | 0.42% |
| Net charge-offs | -0.00% (stronger) | 0.93% |
| Return on assets | 1.08% (stronger) | 0.52% |
| Loans ÷ deposits | 98.8% | 80.9% (stronger) |
| Uninsured deposits | 45.9% | 4.3% (stronger) |
| Offices | 25 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 29.0% | 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), Ocean Bank leads on 3 and Guardians Credit Union on 4. 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.