Side-by-side · Q2 2026 data
Valley Communities Credit Union vs Guardian Credit Union
Metric by metric
| Measure | Valley Communities Credit Union | Guardian Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 70 |
| Capital cushion | 80 (stronger) | 53 |
| Loan quality | 91 (stronger) | 86 |
| Earnings | 56 (stronger) | 40 |
| Funding & liquidity | 100 (stronger) | 99 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 83rd | 51st |
| Total assets | $306.9M | $294.2M |
| Deposits / shares | $264.2M | $259.3M |
| Capital ratio | 12.97% (stronger) | 10.35% |
| Problem loans | 0.28% (stronger) | 0.42% |
| Net charge-offs | 0.06% (stronger) | 0.35% |
| Return on assets | 0.91% (stronger) | 0.50% |
| Loans ÷ deposits | 59.2% (stronger) | 60.8% |
| Uninsured deposits | 6.0% | 5.5% (stronger) |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.4% | — |
Valley Communities Credit Union has the higher TellerScore (83 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Valley Communities Credit Union leads on 6 and Guardian Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.