TellerScore

Guardian Credit Union is a federally insured state-chartered credit union headquartered in Oak Creek, Wisconsin, in business for about 92 years. At the end of Q2 2026 it reported $294.2M in total assets and $259.3M in member shares and deposits, with 7 offices across 2 states.

Guardian Credit Union has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 51% of its 1,341 credit unions with $100 million – $1 billion. Among 98 credit unions headquartered in Wisconsin, it ranks 60th. Funding & liquidity contributes the most (99/100, 61% loans-to-deposits, 6% uninsured); earnings contributes the least (40/100, 0.50%).

TellerScore · Q2 2026

Scorecard

Capital cushion53/100
Net worth ratio: 10.35%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.42%
Earnings40/100
Return on assets (annualized): 0.50%
Funding & liquidity99/100
Loans ÷ shares: 60.8% · 5.5% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.19%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (71 → 70).

TellerScore
677072Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202468
Q4 202469
Q1 202571
Q2 202571
Q3 202572
Q4 202570
Q1 202671
Q2 202670
Net worth ratio
7.00%8.95%10.90%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.71%
Q3 20249.96%
Q4 202410.30%
Q1 202510.49%
Q2 202510.52%
Q3 202510.63%
Q4 202510.78%
Q1 202610.90%
Q2 202610.35%
Delinquent loans (60+ days)
0.35%0.43%0.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.35%
Q3 20240.36%
Q4 20240.41%
Q1 20250.44%
Q2 20250.43%
Q3 20250.37%
Q4 20250.51%
Q1 20260.43%
Q2 20260.42%
Return on assets
0.42%0.58%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.42%
Q3 20240.51%
Q4 20240.53%
Q1 20250.75%
Q2 20250.69%
Q3 20250.66%
Q4 20250.56%
Q1 20260.48%
Q2 20260.50%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$294.2M10.35%0.42%0.50%60.8%
Q1 202671$291.2M10.90%0.43%0.48%61.9%
Q4 202570$285.8M10.78%0.51%0.56%66.3%
Q3 202572$289.7M10.63%0.37%0.66%65.8%
Q2 202571$291.8M10.52%0.43%0.69%66.0%
Q1 202571$292.9M10.49%0.44%0.75%66.3%
Q4 202469$285.1M10.30%0.41%0.53%70.1%
Q3 202468$293.4M9.96%0.36%0.51%68.9%
Q2 202467$298.6M9.71%0.35%0.42%68.8%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.35%
34th
Problem loans0.42%
73rd
Net charge-offs0.35%
50th
Return on assets0.50%
30th
Loans to deposits60.8%
76th
Uninsured deposits5.5%
53rd
Loan-loss reserves0.00%
50th
Texas ratio2.2%
74th

Similar-size credit unions in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
1st Community Credit UnionCredit union Sparta, WI68 out of 100, Moderate$287.6M10.2%0.83%vs
Glacier Hills Credit UnionCredit union West Bend, WI69 out of 100, Moderate$285.8M11.0%0.91%vs
Northwestern Mutual Credit UnionCredit union Milwaukee, WI77 out of 100, Strong$285.6M11.1%0.00%vs
Valley Communities Credit UnionCredit union Mosinee, WI83 out of 100, Strong$306.9M13.0%0.28%vs
Unitedone Credit UnionCredit union Manitowoc, WI73 out of 100, Strong$348.3M11.8%0.24%vs
Cloverbelt Credit UnionCredit union Wausau, WI76 out of 100, Strong$354.2M12.4%0.24%vs

Deposit insurance

Is my money safe at Guardian Credit Union?

Yes. Guardian Credit Union is a federally insured credit union (NCUA charter #66638). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.5% of shares and deposits ($14.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.35%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

7 locations

Branches

Guardian Credit Union lists 7 offices in 7 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Guardian Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
66638
RSSD ID
101390
Primary regulator
State + NCUA
Established
1934
Headquarters
7801 S Howell Ave, Oak Creek, WI 53154
Employees
82

Quick answers

Guardian Credit Union: common questions

Is Guardian Credit Union NCUA insured?

Yes. Guardian Credit Union is a federally insured credit union (NCUA charter #66638). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Guardian Credit Union's TellerScore?

70 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Guardian Credit Union have?

7 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Oak Creek

InstitutionScoreAssetsCapitalProblem loansCompare
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Ferko Md Federal Credit UnionCredit union Frederick, MD94 out of 100, Very strong$30.1M19.4%0.58%vs
Northwestern Mutual Wealth ManagementBank Milwaukee, WI93 out of 100, Very strong$557.7M55.0%0.00%vs
Umatilla County Federal Credit UnionCredit union Pendleton, OR92 out of 100, Very strong$47.7M19.0%0.06%vs
Kbr Heritage Federal Credit UnionCredit union Houston, TX90 out of 100, Very strong$76.4M22.6%0.39%vs
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