State credit union · Oak Creek, Wisconsin · NCUA charter #66638
GUARDIAN
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $285.8M
- Total assets
- 25,427
- Members
- 10.9%
- Net-worth ratio
GUARDIAN scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $285.8M; members 25,427; net-worth ratio 10.90%; health rank #1,823 of 4,374; healthier than 57th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,823 of 4,374 health · 2025Q4GUARDIAN · health 86/100 · $285.8M · 2025Q4
Call Report peers
GUARDIAN in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
GUARDIAN vs every NCUA-scored credit union
GUARDIAN sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for GUARDIAN
- Largest favorable gap: Delinquency Rate at 0.51% vs peer 0.89% (-0.38 pp).
- Largest lag: Loan-to-Share Ratio at 66.31% vs peer 72.20% (-5.89 pp).
GUARDIAN in Wisconsin
- Health composite ranks #68 of 100 among scored Wisconsin credit unions.
- Wisconsin assets place: #31 of 100.
- Member book place in Wisconsin: #23 of 100.
- One place up in Wisconsin, Athens Area (#67) ties at 86/100; one place down, Westby Co-Op (#69) scores 85/100, 1 point lower.
GUARDIAN: 2025Q4 → 2026Q1
GUARDIAN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $285.8M (2025Q4) to $291.2M (2026Q1).
- Net-worth ratio shifted +0.12 pp (10.78% → 10.90%).
At 10.90%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 86/100 score is built
GUARDIAN gives up 14 points in total. Member Growth costs the most, 12.7 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.9 pts
- Return on Assets 15.0 pts
- Member Growth 2.3 pts
- Loan-to-Share Ratio 13.8 pts
GUARDIAN vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.90% | -1.21 pp |
| Delinquency Rate | 0.51% | -0.38 pp |
| Return on Assets | 0.53% | -0.09 pp |
| Member Growth | -3.72% | - |
| Loan-to-Share Ratio | 66.31% | -5.89 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
GUARDIAN filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $291.2M | - |
| 2025Q4 | $285.8M | 25,427 |
| 2024Q4 | $285.1M | 26,409 |
| 2023Q4 | $290.2M | 27,631 |
Credit Union Details
- Charter Number
- 66638
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Wisconsin
- City
- Oak Creek
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for GUARDIAN, spread across 7 cities in 2 states.
| Office | City |
|---|---|
| Guardian Credit Union-Oak Creek Office (Main Office) | Oak Creek, WI |
| Guardian Credit Union-Menomonee Falls Office | Menomonee Falls, WI |
| Symitar | San Diego, CA |
| Guardian Credit Union-South Milwaukee Office | South Milwaukee, WI |
| Guardian Credit Union-Waukesha Office | Waukesha, WI |
| Guardian Credit Union-West Allis Office | West Allis, WI |
| Guardian Credit Union-West Milwaukee Office | West Milwaukee, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
Other federally-insured credit unions in Wisconsin, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Using this data
- GUARDIAN ranks #1,823 of 4,374 nationally on financial health and #68 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- 1st Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with 1st Community
Frequently Asked Questions
Is GUARDIAN financially healthy?
On its 2025Q4 NCUA 5300 filing, GUARDIAN scores 86/100 (Excellent), with a 10.90% net worth ratio and 0.51% of loans delinquent. It ranks #1,823 of 4,374 nationally on health and #68 of 100 in Wisconsin.
How does GUARDIAN compare to other credit unions?
GUARDIAN scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.51% vs 0.89%). Its widest shortfall is loan-to-share ratio (66.31% vs 72.20%).
How can I join GUARDIAN?
Membership eligibility for GUARDIAN depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact GUARDIAN directly for current membership requirements and application steps.
Is my money safe at GUARDIAN?
GUARDIAN is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. GUARDIAN's net worth ratio of 10.90% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.