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
- BOOK 93/100
- CHARTER 14.5%
- NCUSIF 0.38%
- CAMELS 1.21%
- HEALTH $299.1M
- NW 36,587
- DELQ #598/4,374
- ROA Hawaii Central
- ASSETS 67521
Call Report peers
GUARDIANS in the assets neighbourhood
GUARDIANS's $299.1M assets sit next to Hawaii Central ($299.8M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
GUARDIANS - Share Insurance Coverage
Charter #67521's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Where GUARDIANS diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 86.87% vs peer 72.20% (+14.67 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
GUARDIANS Call Report trajectory
GUARDIANS: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.5% from $299.1M (2025Q4) to $309.5M (2026Q1).
- Net-worth ratio shifted -0.39 pp (14.92% → 14.53%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Two NCUA Call Report peer sets for GUARDIANS, both outside Florida so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($299.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is GUARDIANS financially healthy?
GUARDIANS has a financial health score of 93/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #598 of 4,374; by total assets it ranks #1,037 of 4,374 nationally (same basis as /rankings/largest); and #45 of 109 within Florida. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 14.53% and delinquency rate of 0.38%.
How does GUARDIANS compare to other credit unions?
93/100 is GUARDIANS's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like GUARDIANS are 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."
What rates does GUARDIANS offer compared to banks?
Credit unions like GUARDIANS are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact GUARDIANS directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.