Credit Union Safety Analysis
Is Guardian Credit Union Safe? Oak Creek, Wisconsin
Based on its Q2 2026 NCUA 5300 call report, Guardian Credit Union has a net worth ratio of 10.35%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.42%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Guardian Credit Union's net worth ratio is 10.35%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.35%
- Delinquency ratio (60+ days) (Q2 2026): 0.42%
- Return on assets (Q2 2026): 0.53%
- Loan-to-share ratio (Q2 2026): 60.78%
Guardian Credit Union (NCUA charter 66638, established 1934) reported $294.2M in assets and 24,923 members for Q2 2026 from Oak Creek, Wisconsin. It ranks 31 of 98 credit unions in Wisconsin by total assets. Total assets grew 0.8% from $291.8M on June 30, 2025. It has 1,069 fewer members than on June 30, 2025 (-4.1%). Its net worth ratio was down 0.17 percentage points from 10.52% on June 30, 2025. Used vehicle loans are its largest loan category, $64.4M of $157.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.42% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 10.90% for Q1 2026; 10.52% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.43% for Q1 2026; 0.43% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.48% for Q1 2026; 0.64% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 61.86% for Q1 2026; 66.03% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $64.4M
- 1- to 4-family residential and other consumer real estate loans: $41.9M
- Other secured non-real estate loans and lines of credit: $34.4M
- New vehicle loans: $12.8M
- Unsecured credit card loans: $3.2M
- Other unsecured loans and lines of credit: $602K
- Commercial loans: $199K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $294.2M | 10.35% | 0.42% | 0.53% | 60.78% |
| March 31, 2026 | $291.2M | 10.90% | 0.43% | 0.48% | 61.86% |
| December 31, 2025 | $285.8M | 10.78% | 0.51% | 0.24% | 66.31% |
| September 30, 2025 | $289.7M | 10.63% | 0.37% | 0.57% | 65.83% |
| June 30, 2025 | $291.8M | 10.52% | 0.43% | 0.64% | 66.03% |
| March 31, 2025 | $292.9M | 10.49% | 0.44% | 0.77% | 66.26% |
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Free to use. It shows Guardian Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 66638) · FFIEC NIC profile (RSSD 101390)
Frequently asked questions
Is Guardian Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Guardian Credit Union's net worth ratio is 10.35%, above the 7% NCUA threshold for well capitalized.
Is Guardian Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Guardian Credit Union is a federally insured credit union (NCUA charter 66638): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Guardian Credit Union's key safety ratios?
For Q2 2026, Guardian Credit Union reports net worth 10.35%, delinquency 0.42%, ROA 0.53%, loan-to-share 60.78%.
What happens to my money if Guardian Credit Union fails?
For Q2 2026, Guardian Credit Union held $259.3M in shares and deposits for 24,923 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.