Side-by-side · Q2 2026 data
University Credit Union vs Guardians Credit Union
Metric by metric
| Measure | University Credit Union | Guardians Credit Union |
|---|---|---|
| TellerScore | 71 | 80 (stronger) |
| Capital cushion | 57 | 97 (stronger) |
| Loan quality | 92 (stronger) | 86 |
| Earnings | 29 | 41 (stronger) |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 54th | 78th |
| Total assets | $228.7M | $309.5M |
| Deposits / shares | $202.4M | $256.4M |
| Capital ratio | 10.75% | 14.68% (stronger) |
| Problem loans | 0.24% (stronger) | 0.42% |
| Net charge-offs | 0.39% (stronger) | 0.93% |
| Return on assets | 0.22% | 0.52% (stronger) |
| Loans ÷ deposits | 50.3% (stronger) | 80.9% |
| Uninsured deposits | 5.4% | 4.3% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 43.2% |
Guardians Credit Union has the higher TellerScore (80 vs 71). On the 7 directional measures above (where higher or lower is clearly better), University Credit Union leads on 3 and Guardians Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.