Sep, 30, 2025 — GUARDIAN CREDIT UNION is a federally insured state chartered credit union headquartered in OAK CREEK, WI with 6 branch locations and about $289.72 million in total assets. Opened 92 years ago in 1934, GUARDIAN CREDIT UNION has about 25,735 members and employs 90 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | GUARDIAN CREDIT UNION |
|---|---|
| Address: (Main Office) | 7801 S Howell Ave OAK CREEK, WI 53154 |
| Phone: | (414) 546-7450 |
| Fax: | |
| Website: | https://www.guardiancu.org |
| Branches: | 6 branch locations |
| Members: | 25,735 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 66638 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1934 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $289,721,394 |
| CEO/Manager: | Kevin Nitka |
| Chairperson: | Robert Jelinek |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 25,266,498 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 150,000 |
| Real Estate Loans | 45,654,901 |
| Unsecured Loans | 3,958,160 |
| Other Loans | 118,788,024 |
| TOTAL LOANS | 168,401,086 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,885,857 |
| Land And Building | 8,971,824 |
| Other Fixed Assets | 1,077,413 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 2,418,541 |
| All Other Assets | 0 |
| TOTAL ASSETS | 289,721,394 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 3,025 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 3,272,275 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 7,000,000 |
| Share Drafts | 71,511,580 |
| Regular shares | 121,687,594 |
| All Other Shares & Deposits | 62,613,924 |
| TOTAL SHARES & DEPOSITS | 255,813,098 |
| TOTAL LIABILITIES | 266,090,472 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 23,630,922 |
| TOTAL EQUITY | 23,630,922 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 289,721,394 |
| INCOME & EXPENSE | |
| Loan Income | 7,657,916 |
| Investment Income | 1,906,123 |
| Other Income | 2,584,068 |
| Total Employee Compensation & Benefits | 5,123,035 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 4,657,716 |
| Non-operating Income & (Expense) | 1,016,422 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 924,962 |
| Cost of Funds | 1,143,981 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 1,424,335 |
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