Credit union
Guardian Credit Union
Prattville, Alabama, Autauga County, AL
$1.3B in total assets and 95,671 members, the 390th largest of 4,298 US credit unions and 10th of 88 headquartered in Alabama.
- NCUA charter
- 68374
- Charter
- State chartered (AL)
- Chartered
- 1958
- NCUA insured since
- 1971
- Low-income designation
- Yes
- Website
- https://www.myguardiancu.com
At a glance
Compared with 12 federally insured credit unions in Alabama with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This credit union | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.3B | 25% | $1.8B | |
| Loans | $971M | 33% | $1.1B | |
| Deposits (shares) | $1.0B | 17% | $1.6B | |
| Members | 95,671 | 50% | 94,247 | |
| Return on assets | 1.23% | 67% | 1.08% | |
| Net interest income to assets | 4.08% | 92% | 3.52% | |
| Efficiency ratio | 67.5% | 42% | 70.5% | |
| Net worth ratio | 9.46% | 17% | 11.66% | |
| Loans to shares | 94% | 92% | 83% | |
| Cost of deposits | 2.47% | 92% | 1.98% |
Ratios are annualized from year-to-date figures. Return on assets uses average assets, as NCUA does. Cost of deposits includes dividends on shares.
Growth
Total assets grew 13.6% a year over 10 years and 11.9% a year over the last 5, including 1 merger in the last 10 years. Membership grew 3.6% a year over 5 years, to 95,671.
Mergers and acquisitions
| Closed | Absorbed | Assets at last filing |
|---|---|---|
| Jan 2021 | Pike Teachers Credit Union Credit union, Troy, AL | $7M |
| Oct 2010 | Comala Credit Union Credit union, Montgomery, AL | $61M |
Where they operate
18 branches in 8 counties.
1 of 18 branch locations are approximate (ZIP code centers).
Largest counties by branches
| County | Branches | Share of all branches | Rank |
|---|---|---|---|
| Autauga County, AL | 5 | 21.7% | 1 of 15 |
| Montgomery County, AL | 4 | 5.1% | 5 of 29 |
| Elmore County, AL | 3 | 9.4% | 3 of 15 |
| Chilton County, AL | 2 | 12.5% | 2 of 11 |
| Butler County, AL | 1 | 9.1% | 2 of 9 |
| Covington County, AL | 1 | 5.9% | 5 of 12 |
| Pike County, AL | 1 | 9.1% | 2 of 7 |
| Tallapoosa County, AL | 1 | 7.1% | 2 of 12 |
Credit unions do not report deposits by branch, so these are branch counts: this credit union's branches against every bank and credit union branch in the county. Rank is among all banks and credit unions with a branch there.
Branches by year
| Year end | Branches | Change |
|---|---|---|
| 2016 | 13 | |
| 2017 | 15 | +2 |
| 2018 | 15 | 0 |
| 2019 | 15 | 0 |
| 2020 | 15 | 0 |
| 2021 | 16 | +1 |
| 2022 | 16 | 0 |
| 2023 | 16 | 0 |
| 2024 | 16 | 0 |
| 2025 | 16 | 0 |
| Jun 2026 | 18 | +2 |
Member-serving offices as listed in NCUA call reports. Changes include branches gained in mergers.
Earnings and credit
Return on assets
Year to date, annualized, with the peer median.
Credit and capital
| This credit union | Peer median | |
|---|---|---|
| Delinquent loans, 60+ days | 1.45% | 0.74% |
| Net worth ratio | 9.46% | 11.66% |
| Loans to shares | 94% | 83% |
Delinquent loans are two or more months past due. Net worth is NCUA's capital measure for credit unions.
Related
Credit unions of similar size in Alabama
Most branches in Autauga County, AL
Figures as of June 30, 2026 from the credit union's NCUA call report (Form 5300), NCUA's credit union locator and FFIEC merger records.