Side-by-side · Q2 2026 data
Pacific National Bank vs Guardians Credit Union
Metric by metric
| Measure | Pacific National Bank | Guardians Credit Union |
|---|---|---|
| TellerScore | 77 | 80 (stronger) |
| Capital cushion | 58 | 97 (stronger) |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 66 (stronger) | 41 |
| Funding & liquidity | 73 | 79 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 83rd | 78th |
| Total assets | $1.6B | $309.5M |
| Deposits / shares | $1.3B | $256.4M |
| Capital ratio | 10.80% | 14.68% (stronger) |
| Problem loans | 0.01% (stronger) | 0.42% |
| Net charge-offs | 0.05% (stronger) | 0.93% |
| Return on assets | 1.15% (stronger) | 0.52% |
| Loans ÷ deposits | 73.0% (stronger) | 80.9% |
| Uninsured deposits | 27.8% | 4.3% (stronger) |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 43.2% |
Guardians Credit Union has the higher TellerScore (80 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Pacific National Bank leads on 4 and Guardians Credit Union on 3. 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.