Side-by-side · Q2 2026 data
Rome Kraft Employees Credit Union vs Guardian Credit Union
Credit union
Rome Kraft Employees Credit Union
Coosa, Georgia · Under $100 million in assets
Metric by metric
| Measure | Rome Kraft Employees Credit Union | Guardian Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 53 |
| Loan quality | 84 | 86 (stronger) |
| Earnings | 95 (stronger) | 40 |
| Funding & liquidity | 63 | 99 (stronger) |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 87th | 51st |
| Total assets | $23.0M | $294.2M |
| Deposits / shares | $17.3M | $259.3M |
| Capital ratio | 24.71% (stronger) | 10.35% |
| Problem loans | 0.49% | 0.42% (stronger) |
| Net charge-offs | 0.13% (stronger) | 0.35% |
| Return on assets | 1.88% (stronger) | 0.50% |
| Loans ÷ deposits | 97.4% | 60.8% (stronger) |
| Uninsured deposits | 9.5% | 5.5% (stronger) |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Rome Kraft Employees Credit Union has the higher TellerScore (89 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Rome Kraft Employees Credit Union leads on 4 and Guardian 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.