Credit Union Safety Analysis
Is Guardian Credit Union Safe? Prattville, Alabama
Based on its Q2 2026 NCUA 5300 call report, Guardian Credit Union has a net worth ratio of 9.46%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.45%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Guardian Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Guardian Credit Union's net worth ratio is 9.46%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.46%
- Delinquency ratio (60+ days) (Q2 2026): 1.45%
- Return on assets (Q2 2026): 1.31%
- Loan-to-share ratio (Q2 2026): 93.80%
Guardian Credit Union (NCUA charter 68374, established 1958) reported $1.27B in assets and 95,671 members for Q2 2026 from Prattville, Alabama. It ranks 10 of 87 credit unions in Alabama by total assets. Total assets grew 12.6% from $1.13B on June 30, 2025. It has 2,690 more members than on June 30, 2025 (+2.9%). Its net worth ratio was up 0.26 percentage points from 9.20% on June 30, 2025. Used vehicle loans are its largest loan category, $403.4M of $970.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.45% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 9.57% for Q1 2026; 9.20% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 1.25% for Q1 2026; 1.10% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 1.10% for Q1 2026; 1.33% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 92.14% for Q1 2026; 94.18% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $403.4M
- 1- to 4-family residential and other consumer real estate loans: $278.1M
- New vehicle loans: $142.1M
- Other unsecured loans and lines of credit: $57.4M
- Other secured non-real estate loans and lines of credit: $50.4M
- Unsecured credit card loans: $31.3M
- Commercial loans: $8.0M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.27B | 9.46% | 1.45% | 1.31% | 93.80% |
| March 31, 2026 | $1.22B | 9.57% | 1.25% | 1.10% | 92.14% |
| December 31, 2025 | $1.18B | 9.56% | 1.77% | 1.57% | 93.47% |
| September 30, 2025 | $1.16B | 9.36% | 1.35% | 1.57% | 94.66% |
| June 30, 2025 | $1.13B | 9.20% | 1.10% | 1.33% | 94.18% |
| March 31, 2025 | $1.09B | 9.17% | 1.09% | 0.89% | 92.52% |
Add this badge to your website
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 68374) · FFIEC NIC profile (RSSD 612784)
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 9.46%, 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 68374): 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 9.46%, delinquency 1.45%, ROA 1.31%, loan-to-share 93.80%.
What happens to my money if Guardian Credit Union fails?
For Q2 2026, Guardian Credit Union held $1.03B in shares and deposits for 95,671 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.