Side-by-side · Q2 2026 data
Paradise Bank vs Guardians Credit Union
Metric by metric
| Measure | Paradise Bank | Guardians Credit Union |
|---|---|---|
| TellerScore | 75 | 80 (stronger) |
| Capital cushion | 38 | 97 (stronger) |
| Loan quality | 98 (stronger) | 86 |
| Earnings | 100 (stronger) | 41 |
| Funding & liquidity | 61 | 79 (stronger) |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 61st | 78th |
| Total assets | $415.2M | $309.5M |
| Deposits / shares | $381.2M | $256.4M |
| Capital ratio | 8.76% | 14.68% (stronger) |
| Problem loans | 0.05% (stronger) | 0.42% |
| Net charge-offs | 0.09% (stronger) | 0.93% |
| Return on assets | 2.22% (stronger) | 0.52% |
| Loans ÷ deposits | 74.0% (stronger) | 80.9% |
| Uninsured deposits | 37.3% | 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 75). On the 7 directional measures above (where higher or lower is clearly better), Paradise Bank leads on 4 and Guardians Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.