Side-by-side · Q2 2026 data
Umatilla County Federal Credit Union vs Guardian Credit Union
Credit union
Umatilla County Federal Credit Union
Pendleton, Oregon · Under $100 million in assets
Metric by metric
| Measure | Umatilla County Federal Credit Union | Guardian Credit Union |
|---|---|---|
| TellerScore | 92 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 53 |
| Loan quality | 98 (stronger) | 86 |
| Earnings | 80 (stronger) | 40 |
| Funding & liquidity | 79 | 99 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 92nd | 51st |
| Total assets | $47.7M | $294.2M |
| Deposits / shares | $38.6M | $259.3M |
| Capital ratio | 18.97% (stronger) | 10.35% |
| Problem loans | 0.06% (stronger) | 0.42% |
| Net charge-offs | 0.00% (stronger) | 0.35% |
| Return on assets | 1.51% (stronger) | 0.50% |
| Loans ÷ deposits | 81.3% | 60.8% (stronger) |
| Uninsured deposits | 1.5% (stronger) | 5.5% |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Umatilla County Federal Credit Union has the higher TellerScore (92 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Umatilla County Federal Credit Union leads on 6 and Guardian Credit Union on 1. 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.