C
Guardian Credit Union
Rating Date
May 2024
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Guardian Credit Union
Montgomery, AL
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Rating C
Asset Quality Index 4.80
Capitalization Index 5.70
Liquidity Index 2.00
Profitability Index 5.20
Stability Index 6.10
Company Info Guardian Credit Union
Montgomery, AL
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NCUA Charter Number 2432
Phone Number (334) 244-9999
Website www.myguardiancu.com
Asset Quality Guardian Credit Union
Montgomery, AL
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1-Year Asset Growth 15.84%
5-Year Asset Growth 15.90%
5-Year Charge-Offs to Average Loans 0.83%
Charge-Offs to Average Loans 1.17%
Non-Performing Assets to Assets 1.03%
Non-Performing Loans to Capital 11.41%
Non-Performing Loans to Loans 1.17%
Balance Sheet Guardian Credit Union
Montgomery, AL
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Total Assets 1.04B
Total Deposits 908.26M
Capital and Reserves Guardian Credit Union
Montgomery, AL
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Capital 82.96M
Leverage Ratio 8.82
Loan Loss Reserves to Loans 1.27%
Liquidity Guardian Credit Union
Montgomery, AL
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Hot Money Ratio 28.44%
Liquidity Ratio 12.80%
Profitability Guardian Credit Union
Montgomery, AL
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5-Year Return on Average Assets 1.14%
Net Income 1.07M
Net Interest Spread 4.40%
Operating Profit to Average Assets 1.49%
Overhead Efficiency Ratio 76.35%
Return on Assets 0.41%
Return on Equity 5.15%
Weiss Ratings