Side-by-side · Q2 2026 data
San Antonio Citizens Federal Credit Union vs Guardians Credit Union
Credit union
San Antonio Citizens Federal Credit Union
San Antonio, Florida · $100 million – $1 billion
Metric by metric
| Measure | San Antonio Citizens Federal Credit Union | Guardians Credit Union |
|---|---|---|
| TellerScore | 78 | 80 (stronger) |
| Capital cushion | 60 | 97 (stronger) |
| Loan quality | 91 (stronger) | 86 |
| Earnings | 65 (stronger) | 41 |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 74th | 78th |
| Total assets | $399.9M | $309.5M |
| Deposits / shares | $356.8M | $256.4M |
| Capital ratio | 11.02% | 14.68% (stronger) |
| Problem loans | 0.28% (stronger) | 0.42% |
| Net charge-offs | 0.26% (stronger) | 0.93% |
| Return on assets | 1.13% (stronger) | 0.52% |
| Loans ÷ deposits | 50.1% (stronger) | 80.9% |
| Uninsured deposits | 8.1% | 4.3% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 43.2% |
Guardians Credit Union has the higher TellerScore (80 vs 78). On the 7 directional measures above (where higher or lower is clearly better), San Antonio Citizens Federal Credit Union leads on 4 and Guardians Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.