Side-by-side · Q2 2026 data
Seacoast National Bank vs Guardians Credit Union
Metric by metric
| Measure | Seacoast National Bank | Guardians Credit Union |
|---|---|---|
| TellerScore | 63 | 80 (stronger) |
| Capital cushion | 48 | 97 (stronger) |
| Loan quality | 78 | 86 (stronger) |
| Earnings | 55 (stronger) | 41 |
| Funding & liquidity | 59 | 79 (stronger) |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 39th | 78th |
| Total assets | $21.3B | $309.5M |
| Deposits / shares | $16.8B | $256.4M |
| Capital ratio | 9.84% | 14.68% (stronger) |
| Problem loans | 0.66% | 0.42% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.93% |
| Return on assets | 0.88% (stronger) | 0.52% |
| Loans ÷ deposits | 77.3% (stronger) | 80.9% |
| Uninsured deposits | 36.3% | 4.3% (stronger) |
| Offices | 104 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 35.3% | 43.2% |
Guardians Credit Union has the higher TellerScore (80 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Seacoast National Bank leads on 3 and Guardians Credit Union on 4. 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.