TellerScore

Headquartered in Prattville, Alabama, Guardian Credit Union is a federally insured state-chartered credit union with $1.3B in total assets and $1.0B in member shares and deposits as of Q2 2026. It operates 18 offices. Its charter dates back to 1958.

Based on its Q2 2026 filing, Guardian Credit Union scores 57/100, which we describe as moderate. That is higher than only 17% of 454 credit unions with $1 billion – $10 billion. Among 88 credit unions headquartered in Alabama, it ranks 78th. Its strongest component is problem-loan coverage (75/100; 12.4%), and its lowest is capital cushion (45/100; 9.46%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Net worth ratio: 9.46%
Loan quality52/100
Loans 60+ days delinquent ÷ total loans: 1.45%
Earnings67/100
Return on assets (annualized): 1.18%
Funding & liquidity66/100
Loans ÷ shares: 93.8% · 12.3% uninsured
Problem-loan coverage75/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 12.40%

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

From Q2 2025 to Q2 2026, the score fell 2 points (59 → 57), mostly because the loan quality component weakened by 11 points.

TellerScore
485459Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202449
Q3 202448
Q4 202450
Q1 202558
Q2 202559
Q3 202558
Q4 202555
Q1 202659
Q2 202657
Net worth ratio
7.00%8.29%9.57%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.84%
Q3 20249.05%
Q4 20249.30%
Q1 20259.17%
Q2 20259.20%
Q3 20259.36%
Q4 20259.56%
Q1 20269.57%
Q2 20269.46%
Delinquent loans (60+ days)
1.09%1.46%1.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.46%
Q3 20241.84%
Q4 20241.70%
Q1 20251.09%
Q2 20251.10%
Q3 20251.35%
Q4 20251.77%
Q1 20261.25%
Q2 20261.45%
Return on assets
0.52%0.91%1.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.52%
Q3 20240.65%
Q4 20240.70%
Q1 20250.89%
Q2 20251.10%
Q3 20251.24%
Q4 20251.30%
Q1 20261.10%
Q2 20261.18%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$1.3B9.46%1.45%1.18%93.8%
Q1 202659$1.2B9.57%1.25%1.10%92.1%
Q4 202555$1.2B9.56%1.77%1.30%93.5%
Q3 202558$1.2B9.36%1.35%1.24%94.7%
Q2 202559$1.1B9.20%1.10%1.10%94.2%
Q1 202558$1.1B9.17%1.09%0.89%92.5%
Q4 202450$1.1B9.30%1.70%0.70%91.8%
Q3 202448$1.1B9.05%1.84%0.65%91.9%
Q2 202449$1.1B8.84%1.46%0.52%93.9%

454 peers · $1 billion – $10 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 ratio9.46%
18th
Problem loans1.45%
11th
Net charge-offs0.92%
18th
Return on assets1.18%
80th
Loans to deposits93.8%
30th
Uninsured deposits12.3%
25th
Loan-loss reserves0.00%
50th
Texas ratio12.4%
9th

Similar-size credit unions in Alabama

InstitutionScoreAssetsCapitalProblem loansCompare
Five Star Credit UnionCredit union Dothan, AL72 out of 100, Strong$1.3B13.8%1.50%vs
Family Savings Credit UnionCredit union Rainbow City, AL55 out of 100, Moderate$1.2B8.9%1.03%vs
Avadian Credit UnionCredit union Birmingham, AL69 out of 100, Moderate$1.4B10.3%0.46%vs
Family Security Credit UnionCredit union Decatur, AL95 out of 100, Very strong$1.1B19.9%0.61%vs
Listerhill Credit UnionCredit union Sheffield, AL69 out of 100, Moderate$1.5B11.1%0.62%vs
Alabama One Credit UnionCredit union Tuscaloosa, AL59 out of 100, Moderate$1.5B9.1%0.85%vs

Deposit insurance

Is my money safe at Guardian Credit Union?

Yes. Guardian Credit Union is a federally insured credit union (NCUA charter #68374). 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 12.3% of shares and deposits ($126.9M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 9.46%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

18 locations

Branches

Guardian Credit Union lists 18 offices in 11 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Guardian Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68374
RSSD ID
612784
Primary regulator
State + NCUA
Established
1958
Headquarters
1 Guardian Way, Prattville, AL 36066
Employees
284

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 #68374). 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?

57 out of 100 (Moderate), 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?

18 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Prattville

InstitutionScoreAssetsCapitalProblem loansCompare
Max Credit UnionCredit union Montgomery, AL89 out of 100, Very strong$2.4B14.5%0.68%vs
First Citizens BankBank Luverne, AL87 out of 100, Very strong$402.6M14.3%0.76%vs
Southern Energy Credit UnionCredit union Birmingham, AL84 out of 100, Strong$3.6B14.6%0.23%vs
Alabama State Employees Credit UnionCredit union Montgomery, AL80 out of 100, Strong$471.2M12.0%0.31%vs
Fedmont Federal Credit UnionCredit union Montgomery, AL75 out of 100, Strong$13.0M13.4%0.52%vs
First Community Bank of Central AlabamaBank Wetumpka, AL74 out of 100, Strong$694.3M8.6%0.10%vs