A
Guardians Credit Union
Rating Date
July 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Guardians Credit Union
West Palm Beach, FL
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Rating A
Asset Quality Index 9.90
Capitalization Index 10.00
Liquidity Index 4.10
Profitability Index 8.50
Stability Index 8.00
Company Info Guardians Credit Union
West Palm Beach, FL
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NCUA Charter Number 5838
Phone Number (561) 686-4006
Website www.guardianscu.coop
Asset Quality Guardians Credit Union
West Palm Beach, FL
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1-Year Asset Growth 4.73%
5-Year Asset Growth 7.90%
5-Year Charge-Offs to Average Loans 0.67%
Charge-Offs to Average Loans 1.00%
Non-Performing Assets to Assets 0.13%
Non-Performing Loans to Capital 0.82%
Non-Performing Loans to Loans 0.19%
Balance Sheet Guardians Credit Union
West Palm Beach, FL
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Total Assets 307.60M
Total Deposits 256.87M
Capital and Reserves Guardians Credit Union
West Palm Beach, FL
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Capital 46.45M
Leverage Ratio 13.62
Loan Loss Reserves to Loans 1.20%
Liquidity Guardians Credit Union
West Palm Beach, FL
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Hot Money Ratio 8.31%
Liquidity Ratio 29.57%
Profitability Guardians Credit Union
West Palm Beach, FL
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5-Year Return on Average Assets 1.01%
Net Income 608.00K
Net Interest Spread 5.37%
Operating Profit to Average Assets 1.37%
Overhead Efficiency Ratio 77.98%
Return on Assets 0.80%
Return on Equity 5.27%