Side-by-side · Q2 2026 data
The Union Bank Company vs Guardian Savings Bank
Metric by metric
| Measure | The Union Bank Company | Guardian Savings Bank |
|---|---|---|
| TellerScore | 74 | 83 (stronger) |
| Capital cushion | 58 | 64 (stronger) |
| Loan quality | 96 (stronger) | 93 |
| Earnings | 57 | 100 (stronger) |
| Funding & liquidity | 74 (stronger) | 72 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 74th | 94th |
| Total assets | $1.4B | $1.4B |
| Deposits / shares | $1.2B | $1.2B |
| Capital ratio | 10.78% | 11.39% (stronger) |
| Problem loans | 0.12% (stronger) | 0.20% |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 0.92% | 2.00% (stronger) |
| Loans ÷ deposits | 71.7% (stronger) | 88.1% |
| Uninsured deposits | 28.2% | 13.7% (stronger) |
| Offices | 14 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.5% | 11.5% |
Guardian Savings Bank has the higher TellerScore (83 vs 74). On the 7 directional measures above (where higher or lower is clearly better), The Union Bank Company leads on 2 and Guardian Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.