West Palm Beach, Florida · Peer group 5
Guardians Credit Union
Guardians Credit Union holds $309.5M in assets across 36,283 members as of Q1 2026 — about $9K of assets per member, on a charter dating to 1991. Charter number 67521, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $309.5M |
|---|---|
| Total loans | $211.6M |
| Total shares (deposits) | $256.1M |
| Net worth | $45.0M |
| Members | 36,283 |
| Assets per member | $9K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 0.6% | |
|---|---|---|
| Loans | -1.7% | around the 26th percentile of its peer group |
| Deposits | -0.3% | around the 19th percentile of its peer group |
| Members | -1.3% | around the 37th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 82.6% | around the 75th percentile of its peer group |
|---|---|---|
| Net worth ratio | 14.5% | around the 83rd percentile of its peer group |
| Return on assets | 0.44% | around the 33rd percentile of its peer group |
| Delinquency ratio | 0.15% | lower than 90% of its peer group |
| Cash / assets | 22.1% | higher than 94% of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Guardians Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Florida — the comparison set a peer ratio is measured against.
- Harvesters Credit Union
Cantonment, FL
$312.8M · 34,149 members
- Members First Credit Union of Flori
Pensacola, FL
$314.4M · 19,401 members
- Loyalty Credit Union
Pensacola, FL
$302.9M · 19,143 members
- Alive Credit Union
Jacksonville, FL
$294.2M · 18,605 members
- Jetstream Credit Union
Miami Lakes, FL
$287.6M · 14,206 members
- Gold Coast Credit Union
PALM SPRINGS, FL
$267.8M · 19,617 members
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