GUARDIAN
State-Chartered • Prattville, Alabama • Est. 1958
Quick Facts
- Charter Number
- #68374
- Type
- State-Chartered
- Established
- 1958
- Headquarters
- Prattville, Alabama 36066
- Address
- 1 Guardian Way
- Branches
- 16
- ATMs
- 15
- Members
- 93,398
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Above-average financial health. Net worth is strong and key ratios are within normal ranges, with minor areas to monitor.
Financial Overview
Total Assets
Members
93,398 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | GUARDIAN |
|---|---|
| Total Assets | $1.2B |
| Members | 93,398 |
| Loans Outstanding | $927.7M |
| Shares & Deposits | $992.5M |
| Net Worth | $113.0M |
| Net Worth Ratio | 9.56% |
| Loan-to-Share Ratio | 93.5% |
| Delinquency Rate | 1.77% |
| Net Income | +$25,885,896 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
16 locations · 15 ATMs
Federal
1789 Cong W L Dickinson Dr
Montgomery, AL 36109-2601
Prattville 14
102 Interstate Ct
Prattville, AL 36066-7363
418 Madison
418 Madison Ave
Montgomery, AL 36104
Eastdale
3380 Eastdale Cir
Montgomery, AL 36117
Cobbs Ford
1794 E Main St
Prattville, AL 36066-5582
Who Can Join GUARDIAN?
Membership Type: Community
Membership eligibility for GUARDIAN may vary. Contact the credit union directly to confirm qualification requirements.
Contact GUARDIAN directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Alabama RankingsFrequently Asked Questions
Yes. GUARDIAN is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, GUARDIAN has 93,398 members and a potential membership field of 959,647 people.
GUARDIAN's net worth ratio is 9.56% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.6%, GUARDIAN meets this threshold.
GUARDIAN operates 16 branch locations and has access to 15 ATMs. The main office is located at 1 Guardian Way, Prattville, AL 36066.
GUARDIAN was established in 1958. It is a state-chartered credit union chartered under charter number 68374. The institution has been serving members for 68 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or GUARDIAN. All financial data is for informational purposes only.