State credit union · WEST PALM BEACH, Florida · NCUA charter #67521
GUARDIANS
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $299.1M
- Total assets
- 36,587
- Members
- 14.5%
- Net-worth ratio
GUARDIANS scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $299.1M; members 36,587; net-worth ratio 14.53%; health rank #598 of 4,374; healthier than 84th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#598 of 4,374 health · 2025Q4GUARDIANS · health 93/100 · $299.1M · 2025Q4
Call Report peers
GUARDIANS in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
GUARDIANS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); GUARDIANS sits in 90-94 with 747 others.
93 Top 16% higher than 84% 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 GUARDIANS diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 86.87% vs peer 72.20% (+14.67 pp).
GUARDIANS: in-state Call Report ranks
- Health composite ranks #26 of 109 among scored Florida credit unions.
- Florida assets place: #45 of 109.
- Membership ranks #35 of 109 among Florida CUs with a reported count (36,587 members).
- One place up in Florida, My Pensacola (#25) ties at 93/100; one place down, Community First Credit Union of Flo (#27) ties at 93/100.
GUARDIANS Call Report trajectory
GUARDIANS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.5% from $299.1M (2025Q4) to $309.5M (2026Q1).
- Net-worth ratio shifted -0.39 pp (14.92% → 14.53%).
14.53% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
GUARDIANS gives up 7 points in total. Member Growth costs the most, 6.7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.3 pts
- Loan-to-Share Ratio 14.7 pts
GUARDIANS vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.53% | +2.42 pp |
| Delinquency Rate | 0.38% | -0.51 pp |
| Return on Assets | 1.21% | +0.58 pp |
| Member Growth | -0.39% | - |
| Loan-to-Share Ratio | 86.87% | +14.67 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
GUARDIANS quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $309.5M | - |
| 2025Q4 | $299.1M | 36,587 |
| 2024Q4 | $302.6M | 36,730 |
| 2023Q4 | $288.6M | 37,034 |
Credit Union Details
- Charter Number
- 67521
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Florida
- City
- WEST PALM BEACH
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, GUARDIANS runs 6 offices in 4 different cities.
| Office | City |
|---|---|
| Main Office (Main Office) | West Palm Beach, FL |
| Boynton Beach | Boynton Beach, FL |
| Ft Pierce | Fort Pierce, FL |
| South Florida FCU Main Branch | Miami, FL |
| Central Palm Beach | West Palm Beach, FL |
| Ibis | West Palm Beach, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Other-state peers near GUARDIANS
Similar total assets
Using this data
- GUARDIANS ranks #598 of 4,374 nationally on financial health and #26 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LOYALTY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LOYALTY
Frequently Asked Questions
Is GUARDIANS financially healthy?
On its 2025Q4 NCUA 5300 filing, GUARDIANS scores 93/100 (Excellent), with a 14.53% net worth ratio and 0.38% of loans delinquent. It ranks #598 of 4,374 nationally on health and #26 of 109 in Florida.
How does GUARDIANS compare to other credit unions?
GUARDIANS scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (86.87% vs 72.20%).
How can I join GUARDIANS?
Membership eligibility for GUARDIANS depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact GUARDIANS directly for current membership requirements and application steps.
Is my money safe at GUARDIANS?
GUARDIANS 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. GUARDIANS's net worth ratio of 14.53% 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.