credit union · NCUA 68374 · AL
How big is GUARDIAN?
GUARDIAN (AL, NCUA charter 68374) reported total assets of $1.3B, 95,671 members and a net worth ratio of 9.46% in its Call Report for 2026Q2. That ranks 390 of 4,299 federally insured credit unions by assets, 365 of 454 among credit unions with $1b-$10b in assets, 10 of 88 credit unions in alabama.
What stands out
GUARDIAN (AL, NCUA charter 68374) reported total assets of $1.3B, 95,671 members and a net worth ratio of 9.46% in its Call Report for 2026Q2. That ranks 390 of 4,299 federally insured credit unions by assets, 365 of 454 among credit unions with $1b-$10b in assets, 10 of 88 credit unions in alabama. Against its size class: net worth ratio 9.46%, below the peer median of 10.89%; loan-to-share ratio 93.80%, above the peer median of 88.03%; return on assets 1.18%, above the peer median of 0.80%. At 9.46% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $1.3B | $2.1B | $49.1M | $68.3M | record → |
| Shares and deposits | $1.0B | $1.8B | $42.7M | $58.3M | record → |
| Loans outstanding | $970.8M | $1.5B | $20.0M | $34.4M | record → |
| Net income (year to date) | $7.5M | $8.3M | $218.9k | $222.2k | record → |
| Net worth | $120.6M | $244.6M | $8.7M | $9.0M | record → |
| Net worth ratio | 9.46% | 10.89% | 14.15% | 12.65% | record → |
| Loan-to-share ratio | 93.80% | 88.03% | 58.66% | 68.70% | computed |
| Return on assets | 1.18% | 0.80% | 0.72% | 0.71% | computed |
| Members | 95,671 | 115,183 | 4,556 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $1.3B | $1.0B | $970.8M | $7.5M | 9.46% | 95,671 | 390 |
| 2026Q1 | $1.2B | $1.0B | $934.9M | $3.4M | 9.57% | 94,635 | 404 |
| 2025Q4 | $1.2B | $992.5M | $927.7M | $15.4M | 9.56% | 93,398 | 408 |
| 2025Q3 | $1.2B | $971.1M | $919.3M | $10.8M | 9.36% | 93,421 | 408 |
| 2025Q2 | $1.1B | $960.5M | $904.6M | $6.2M | 9.20% | 92,981 | 416 |
| 2025Q1 | $1.1B | $951.4M | $880.3M | $2.4M | 9.17% | 92,436 | 426 |
| 2024Q4 | $1.1B | $935.4M | $858.4M | $7.3M | 9.30% | 91,552 | 428 |
| 2024Q3 | $1.1B | $933.2M | $857.5M | $5.2M | 9.05% | 91,870 | 424 |
| 2024Q2 | $1.1B | $921.0M | $864.6M | $2.7M | 8.84% | 91,385 | 422 |
| 2024Q1 | $1.0B | $908.3M | $845.9M | $1.1M | 8.82% | 90,186 | 429 |
| 2023Q4 | $1.0B | $850.5M | $839.1M | $10.2M | 8.93% | 88,681 | 433 |
| 2023Q3 | $963.3M | $836.5M | $801.2M | $9.1M | 9.35% | 87,859 | 450 |
| 2023Q2 | $913.1M | $795.6M | $747.4M | $5.0M | 9.42% | 86,445 | 468 |
| 2023Q1 | $900.1M | $791.1M | $715.7M | $2.4M | 9.67% | 85,356 | 475 |
| 2022Q4 | $865.3M | $747.8M | $697.2M | $13.8M | 9.80% | 84,606 | 489 |
| 2022Q3 | $840.3M | $725.8M | $680.5M | $12.0M | 9.87% | 83,835 | 498 |
| 2022Q2 | $815.5M | $703.3M | $648.6M | $7.6M | 9.64% | 82,973 | 503 |
| 2022Q1 | $785.7M | $706.6M | $630.1M | $3.1M | 9.43% | 82,029 | 516 |
| 2021Q4 | $763.6M | $683.7M | $595.8M | $10.1M | 9.29% | 81,323 | 518 |
| 2021Q3 | $740.8M | $663.8M | $598.4M | $7.7M | 9.25% | 80,780 | 519 |
| 2021Q2 | $725.5M | $651.4M | $568.0M | $4.4M | 8.99% | 80,175 | 519 |
| 2021Q1 | $719.1M | $648.3M | $544.4M | $2.1M | 8.75% | 78,897 | 519 |
| 2020Q4 | $694.1M | $599.2M | $528.0M | $6.9M | 8.73% | 75,536 | 514 |
| 2020Q3 | $665.8M | $574.8M | $518.4M | $4.0M | 8.65% | 74,379 | 521 |
| 2020Q2 | $650.2M | $562.2M | $486.2M | $1.4M | 8.46% | 72,329 | 522 |
| 2020Q1 | $603.0M | $516.6M | $447.8M | $661.4k | 9.01% | 70,488 | 522 |
| 2019Q4 | $574.1M | $491.4M | $444.0M | $4.8M | 9.35% | 69,577 | 527 |
| 2019Q3 | $552.1M | $468.5M | $443.3M | $4.4M | 9.64% | 69,168 | 536 |
| 2019Q2 | $509.9M | $451.6M | $434.8M | $2.6M | 10.08% | 68,026 | 569 |
| 2019Q1 | $510.6M | $445.8M | $421.3M | $1.2M | 9.80% | 66,449 | 562 |
| 2018Q4 | $487.0M | $424.3M | $415.0M | $6.3M | 10.03% | 64,720 | 574 |
| 2018Q3 | $487.5M | $413.6M | $413.5M | $5.0M | 9.75% | 63,500 | 567 |
| 2018Q2 | $488.4M | $417.1M | $410.2M | $2.2M | 9.15% | 62,172 | 566 |
| 2018Q1 | $469.6M | $410.5M | $377.8M | $704.0k | 9.20% | 60,052 | 583 |
| 2017Q4 | $450.1M | $391.7M | $357.0M | $4.3M | 9.45% | 58,121 | 593 |
| 2017Q3 | $451.0M | $387.2M | $341.8M | $3.2M | 9.17% | 56,565 | 589 |
| 2017Q2 | $403.3M | $343.9M | $320.6M | $1.8M | 9.92% | 52,098 | 631 |
| 2017Q1 | $399.1M | $341.5M | $296.7M | $510.0k | 9.70% | 50,372 | 631 |
| 2016Q4 | $376.5M | $320.3M | $286.7M | $2.7M | 10.15% | 48,850 | 646 |
| 2016Q3 | $375.2M | $313.0M | $278.3M | $2.0M | 9.99% | 47,783 | 647 |
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