Side-by-side · Q2 2026 data
South Atlantic Federal Credit Union vs Guardians Credit Union
Credit union
South Atlantic Federal Credit Union
Boca Raton, Florida · Under $100 million in assets
Metric by metric
| Measure | South Atlantic Federal Credit Union | Guardians Credit Union |
|---|---|---|
| TellerScore | 56 | 80 (stronger) |
| Capital cushion | 41 | 97 (stronger) |
| Loan quality | 58 | 86 (stronger) |
| Earnings | 29 | 41 (stronger) |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 85 | 96 (stronger) |
| Peer percentile | 16th | 78th |
| Total assets | $17.8M | $309.5M |
| Deposits / shares | $15.9M | $256.4M |
| Capital ratio | 9.11% | 14.68% (stronger) |
| Problem loans | 1.27% | 0.42% (stronger) |
| Net charge-offs | 0.17% (stronger) | 0.93% |
| Return on assets | 0.23% | 0.52% (stronger) |
| Loans ÷ deposits | 56.6% (stronger) | 80.9% |
| Uninsured deposits | 0.7% (stronger) | 4.3% |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 43.2% |
Guardians Credit Union has the higher TellerScore (80 vs 56). On the 7 directional measures above (where higher or lower is clearly better), South Atlantic Federal Credit Union 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.