Sep, 30, 2025 — GUARDIAN CREDIT UNION is a federally insured state chartered credit union headquartered in PRATTVILLE, AL with 14 branch locations and about $1.16 billion in total assets. Opened 68 years ago in 1958, GUARDIAN CREDIT UNION has about 93,421 members and employs 247 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) | 1 Guardian Way PRATTVILLE, AL 36066 |
| Phone: | (334) 244-9999 |
| Fax: | |
| Website: | https://www.myguardiancu.com |
| Branches: | 14 branch locations |
| Members: | 93,421 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 68374 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1958 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $1,161,135,620 |
| CEO/Manager: | Heath Harrell |
| Chairperson: | Scott Kramer |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 93,318,567 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 267,965,995 |
| Unsecured Loans | 83,218,603 |
| Other Loans | 568,126,822 |
| TOTAL LOANS | 919,311,420 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -12,359,693 |
| Land And Building | 45,514,082 |
| Other Fixed Assets | 4,691,327 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 8,445,607 |
| All Other Assets | 678,476 |
| TOTAL ASSETS | 1,161,135,620 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 13,339 |
| Notes & Interest Payable | 74,000,000 |
| Accounts Payable & Other Liabilities | 12,377,781 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 145,969,356 |
| Regular shares | 260,689,361 |
| All Other Shares & Deposits | 564,476,452 |
| TOTAL SHARES & DEPOSITS | 971,135,169 |
| TOTAL LIABILITIES | 1,057,531,856 |
| Regular Reserve | 0 |
| Other Reserves | 7,550,599 |
| Undivided Earnings | 96,053,165 |
| TOTAL EQUITY | 103,603,764 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 1,161,135,620 |
| INCOME & EXPENSE | |
| Loan Income | 51,542,374 |
| Investment Income | 2,217,514 |
| Other Income | 9,965,709 |
| Total Employee Compensation & Benefits | 18,360,664 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 18,020,527 |
| Non-operating Income & (Expense) | -889,013 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 8,157,987 |
| Cost of Funds | 18,817,622 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 10,769,027 |
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