State credit union · Prattville, Alabama · NCUA charter #68374
GUARDIAN
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $1.18B
- Total assets
- 93,398
- Members
- 9.6%
- Net-worth ratio
GUARDIAN scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.18B; members 93,398; net-worth ratio 9.57%; health rank #2,334 of 4,374; healthier than 46th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,334 of 4,374 health · 2025Q4GUARDIAN · health 83/100 · $1.18B · 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
The busiest band is 85-89 (858 credit unions); GUARDIAN sits in 80-84 with 767 others.
83 46th percentile higher than 46% 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
Where GUARDIAN diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 93.47% here, 83.90% peer average (+9.57 pp).
- Largest lag: Net Worth Ratio at 9.57% vs peer 11.18% (-1.61 pp).
GUARDIAN in Alabama
- Alabama health ordinal: #48 of 89.
- By total assets, GUARDIAN is #11 of 89 in Alabama.
- Alabama membership ordinal: #7 of 89.
- One place up in Alabama, ANG (#47) ties at 83/100; one place down, Alabama Central (#49) ties at 83/100.
GUARDIAN: 2025Q4 → 2026Q1
GUARDIAN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $1.18B (2025Q4) to $1.22B (2026Q1).
- Net-worth ratio shifted +0.01 pp (9.56% → 9.57%).
At 9.57%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 83/100 score is built
GUARDIAN gives up 17 points in total. Delinquency Rate costs the most, 10.8 of its 25; Return on Assets scores full marks.
- Net Worth Ratio 28.9 pts
- Delinquency Rate 14.2 pts
- Return on Assets 15.0 pts
- Member Growth 11.4 pts
- Loan-to-Share Ratio 13.5 pts
GUARDIAN health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.57% | -1.61 pp |
| Delinquency Rate | 1.77% | +0.89 pp |
| Return on Assets | 0.62% | +0.11 pp |
| Member Growth | 2.02% | - |
| Loan-to-Share Ratio | 93.47% | +9.57 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
GUARDIAN quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.22B | - |
| 2025Q4 | $1.18B | 93,398 |
| 2024Q4 | $1.05B | 91,552 |
| 2023Q4 | $1.02B | 88,681 |
Credit Union Details
- Charter Number
- 68374
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Alabama
- City
- Prattville
- Data Quarter
- 2025Q4
Branch Locations (17)
GUARDIAN operates 17 offices across 10 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Guardian Way (Main Office) | Prattville, AL |
| Andalusia | Andalusia, AL |
| Clanton | Clanton, AL |
| Eclectic | Eclectic, AL |
| Greenville | Greenville, AL |
| Maplesville | Maplesville, AL |
| Federal | Montgomery, AL |
| 418 Madison | Montgomery, AL |
| Eastdale | Montgomery, AL |
| Taylor Rd. | Montgomery, AL |
| Prattville 14 | Prattville, AL |
| Cobbs Ford | Prattville, AL |
| Washington Hill | Prattville, AL |
| Pine Level | Prattville, AL |
| Tallassee | Tallassee, AL |
| Troy | Troy, AL |
| Wetumpka | Wetumpka, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
A look at other Alabama credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for GUARDIAN
Using this data
- GUARDIAN ranks #2,334 of 4,374 nationally on financial health and #48 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Family Savings is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Family Savings
Frequently Asked Questions
Is GUARDIAN financially healthy?
On its 2025Q4 NCUA 5300 filing, GUARDIAN scores 83/100 (Excellent), with a 9.57% net worth ratio and 1.77% of loans delinquent. It ranks #2,334 of 4,374 nationally on health and #48 of 89 in Alabama.
How does GUARDIAN compare to other credit unions?
GUARDIAN scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (93.47% vs 83.90%). Its widest shortfall is net worth ratio (9.57% vs 11.18%).
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 9.57% 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.