Side-by-side · Q2 2026 data
Raleigh Co. Educators Federal Credit Union vs Guardian Credit Union
Credit union
Raleigh Co. Educators Federal Credit Union
Beckley, West Virginia · Under $100 million in assets
Metric by metric
| Measure | Raleigh Co. Educators Federal Credit Union | Guardian Credit Union |
|---|---|---|
| TellerScore | 97 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 53 |
| Loan quality | 99 (stronger) | 86 |
| Earnings | 86 (stronger) | 40 |
| Funding & liquidity | 100 (stronger) | 99 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 98th | 51st |
| Total assets | $21.3M | $294.2M |
| Deposits / shares | $15.5M | $259.3M |
| Capital ratio | 26.34% (stronger) | 10.35% |
| Problem loans | 0.04% (stronger) | 0.42% |
| Net charge-offs | 0.00% (stronger) | 0.35% |
| Return on assets | 1.64% (stronger) | 0.50% |
| Loans ÷ deposits | 60.4% (stronger) | 60.8% |
| Uninsured deposits | 2.5% (stronger) | 5.5% |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Raleigh Co. Educators Federal Credit Union has the higher TellerScore (97 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Raleigh Co. Educators Federal Credit Union leads on 7 and Guardian Credit Union on 0. 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.