Side-by-side · Q2 2026 data
Troy Bank & Trust Company vs Guardian Credit Union
Metric by metric
| Measure | Troy Bank & Trust Company | Guardian Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 57 |
| Capital cushion | 78 (stronger) | 45 |
| Loan quality | 55 (stronger) | 52 |
| Earnings | 75 (stronger) | 67 |
| Funding & liquidity | 41 | 66 (stronger) |
| Problem-loan coverage | 84 (stronger) | 75 |
| Peer percentile | 44th | 17th |
| Total assets | $1.6B | $1.3B |
| Deposits / shares | $1.4B | $1.0B |
| Capital ratio | 12.83% (stronger) | 9.46% |
| Problem loans | 1.35% (stronger) | 1.45% |
| Net charge-offs | 0.20% (stronger) | 0.92% |
| Return on assets | 1.37% (stronger) | 1.18% |
| Loans ÷ deposits | 74.6% (stronger) | 93.8% |
| Uninsured deposits | 55.1% | 12.3% (stronger) |
| Offices | 14 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Troy Bank & Trust Company has the higher TellerScore (67 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Troy Bank & Trust Company leads on 6 and Guardian Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.