Side-by-side · Q2 2026 data
Zia Credit Union vs Guadalupe Credit Union
Metric by metric
| Measure | Zia Credit Union | Guadalupe Credit Union |
|---|---|---|
| TellerScore | 64 | 68 (stronger) |
| Capital cushion | 53 | 75 (stronger) |
| Loan quality | 84 (stronger) | 48 |
| Earnings | 38 | 60 (stronger) |
| Funding & liquidity | 71 | 89 (stronger) |
| Problem-loan coverage | 92 (stronger) | 84 |
| Peer percentile | 31st | 45th |
| Total assets | $308.1M | $348.2M |
| Deposits / shares | $246.7M | $299.9M |
| Capital ratio | 10.35% | 12.51% (stronger) |
| Problem loans | 0.48% (stronger) | 1.57% |
| Net charge-offs | 0.35% (stronger) | 0.67% |
| Return on assets | 0.45% | 1.01% (stronger) |
| Loans ÷ deposits | 89.1% | 71.0% (stronger) |
| Uninsured deposits | 5.1% (stronger) | 10.7% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Guadalupe Credit Union has the higher TellerScore (68 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Zia Credit Union leads on 3 and Guadalupe Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.