Side-by-side · Q2 2026 data
Southern Energy Credit Union vs Guardian Credit Union
Metric by metric
| Measure | Southern Energy Credit Union | Guardian Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 57 |
| Capital cushion | 96 (stronger) | 45 |
| Loan quality | 92 (stronger) | 52 |
| Earnings | 39 | 67 (stronger) |
| Funding & liquidity | 94 (stronger) | 66 |
| Problem-loan coverage | 99 (stronger) | 75 |
| Peer percentile | 93rd | 17th |
| Total assets | $3.6B | $1.3B |
| Deposits / shares | $3.2B | $1.0B |
| Capital ratio | 14.59% (stronger) | 9.46% |
| Problem loans | 0.23% (stronger) | 1.45% |
| Net charge-offs | 0.13% (stronger) | 0.92% |
| Return on assets | 0.46% | 1.18% (stronger) |
| Loans ÷ deposits | 29.8% (stronger) | 93.8% |
| Uninsured deposits | 20.9% | 12.3% (stronger) |
| Offices | 24 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Southern Energy Credit Union has the higher TellerScore (84 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Southern Energy Credit Union leads on 5 and Guardian Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.