Sep, 30, 2025 — GUARDIANS CREDIT UNION is a federally insured state chartered credit union headquartered in WEST PALM BEACH, FL with 6 branch locations and about $299.05 million in total assets. Opened 35 years ago in 1991, GUARDIANS CREDIT UNION has about 36,684 members and employs 98 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | GUARDIANS CREDIT UNION |
|---|---|
| Address: (Main Office) | 3469 Summit Blvd WEST PALM BEACH, FL 33406 |
| Phone: | (561) 686-4006 |
| Fax: | (561) 687-9943 |
| Website: | https://www.guardianscu.coop |
| Branches: | 6 branch locations |
| Members: | 36,684 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 67521 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1991 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $299,045,598 |
| CEO/Manager: | Steven Bosack |
| Chairperson: | Raymond C Liggins |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 58,361,314 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 99,487,002 |
| Unsecured Loans | 26,372,567 |
| Other Loans | 89,979,389 |
| TOTAL LOANS | 215,838,958 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -2,541,256 |
| Land And Building | 10,162,428 |
| Other Fixed Assets | 1,096,681 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 2,407,143 |
| All Other Assets | 0 |
| TOTAL ASSETS | 299,045,598 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 3,905,662 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 63,387,143 |
| Regular shares | 117,808,791 |
| All Other Shares & Deposits | 65,512,794 |
| TOTAL SHARES & DEPOSITS | 246,708,728 |
| TOTAL LIABILITIES | 250,614,390 |
| Regular Reserve | 0 |
| Other Reserves | 7,655,203 |
| Undivided Earnings | 40,776,005 |
| TOTAL EQUITY | 48,431,208 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 299,045,598 |
| INCOME & EXPENSE | |
| Loan Income | 9,063,345 |
| Investment Income | 2,026,046 |
| Other Income | 2,589,042 |
| Total Employee Compensation & Benefits | 4,702,506 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 6,382,868 |
| Non-operating Income & (Expense) | 706,998 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,254,500 |
| Cost of Funds | 1,432,754 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 2,586,259 |
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