Guardian Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 2.1%, coupled with a return on assets of 1.2 has resulted in Excellent (9.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.7 on a scale of 0 to 10) based on a net capital to total assets of 9.1 and a net worth ratio of 9.5. A current level of 11.6 percent of nonperforming loans to core capital contributes to the Good asset quality (5.2).
Asset Mix:
Consumer loans (50%), home mtgs (19%), comm loans (1%), other (31%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
1 Guardian Way
Prattville, AL 36066
Prattville, AL 36066
Phone Number
(334) 244-9999
NCUA Charter Number
Website
Largest Competitors
Huntsville, AL
Daleville, AL
Birmingham, AL
Birmingham, AL
Montgomery, AL