Side-by-side · Q2 2026 data
Terrabank, National Association vs Guardians Credit Union
Metric by metric
| Measure | Terrabank, National Association | Guardians Credit Union |
|---|---|---|
| TellerScore | 65 | 80 (stronger) |
| Capital cushion | 48 | 97 (stronger) |
| Loan quality | 96 (stronger) | 86 |
| Earnings | 49 (stronger) | 41 |
| Funding & liquidity | 47 | 79 (stronger) |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 29th | 78th |
| Total assets | $897.7M | $309.5M |
| Deposits / shares | $791.4M | $256.4M |
| Capital ratio | 9.83% | 14.68% (stronger) |
| Problem loans | 0.11% (stronger) | 0.42% |
| Net charge-offs | 0.00% (stronger) | 0.93% |
| Return on assets | 0.71% (stronger) | 0.52% |
| Loans ÷ deposits | 75.4% (stronger) | 80.9% |
| Uninsured deposits | 49.0% | 4.3% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.5% | 43.2% |
Guardians Credit Union has the higher TellerScore (80 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Terrabank, National Association leads on 4 and Guardians Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.