Guardians Credit Union West Palm Beach, Florida
Guardians Credit Union is a state-chartered credit union headquartered in West Palm Beach, FL (NCUA charter 67521), and it is regulated and insured by the NCUA. At Q2 2026 it reported 36,157 members and total assets of $309.5M (up 1.6% from Q2 2025), the 44th largest of 106 credit unions headquartered in Florida. Its net worth ratio was 14.68% at Q2 2026, in the well capitalized band.
Also written as Guardians CU
BankRegReports is independent of Guardians Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67521
- Headquarters
- West Palm Beach, FL
- Established
- Not reported
- Total assets, Q2 2026
- $309.5M
- Assets vs Q2 2025
- +1.6%
- Members, Q2 2026
- 36,157
- Net worth ratio, Q2 2026
- 14.68%
- Latest call report
- Q2 2026, NCUA 5300 · Guardians Credit Union call report
- Asset rank in state
- 44th of 106 in Florida
- Routing number
- 267083323
- Branches
- 6
It has 578 fewer members than on June 30, 2025 (-1.6%). Its net worth ratio was up 0.62 percentage points from 14.06% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $94.1M of $207.4M 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. Its 14.68% net worth ratio is above that band's 11.43% median.
Credit unions merged into Guardians Credit Union
Town of Palm Beach Federal Credit Union (2022) · South Florida Federal Credit Union (2019)
Frequently asked about Guardians Credit Union
How big is Guardians Credit Union?
At Q2 2026 it reported total assets of $309.5M and 36,157 members.
Where is Guardians Credit Union headquartered?
It is headquartered in West Palm Beach, FL, United States.
Is Guardians Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67521): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Guardians Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Guardians Credit Union well capitalized?
Its net worth ratio was 14.68% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Guardians Credit Union's delinquency ratio?
Its delinquency ratio was 0.42% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Guardians Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 80.88% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- West Palm Beach, FL 33406
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 67521
- RSSD ID
- 307697
- Members
- 36,157
- Potential members
- 2,144,447
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 3 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 14.68% | 11.43% | 81st top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.61% | 0.81% | 37th below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 4.15% | 7.02% | 27th below |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.10% | 3.70% | 75th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 80.11% | 76.55% | 37th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.59% | 1.24% | over 90th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.42% | 0.68% | 73rd above |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.69% | 4.92% | 36th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 80.88% | 75.66% | 62nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$309.5M total assets against $304.7M; $256.4M total shares and deposits against $253.4M; $207.4M total loans against $213.8M.
$45.4M net worth against $42.8M.
14.68% net worth ratio against 14.06%.
80.88% loan-to-share ratio against 84.36%.
0.42% delinquency ratio against 0.37%.
0.61% return on assets against 1.25%; 4.15% return on equity against 8.91%.
4.10% net interest margin against 4.27%.
36,157 members against 36,735.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.68% | 0.61% | 0.42% | 80.88% |
| March 31, 2026 | 14.53% | 0.44% | 0.15% | 82.65% |
| December 31, 2025 | 14.92% | 1.02% | 0.38% | 86.87% |
| September 30, 2025 | 14.67% | 1.37% | 0.15% | 87.49% |
| June 30, 2025 | 14.06% | 1.25% | 0.37% | 84.36% |
| March 31, 2025 | 13.62% | 0.79% | 0.19% | 83.78% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.