GUARDIANS
State-Chartered • WEST PALM BEACH, Florida • Est. 1991
Quick Facts
- Charter Number
- #67521
- Type
- State-Chartered
- Established
- 1991
- Headquarters
- WEST PALM BEACH, Florida 33406
- Address
- 3469 SUMMIT BLVD
- Branches
- 6
- ATMs
- 2
- Members
- 36,587
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
36,587 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | GUARDIANS |
|---|---|
| Total Assets | $299.1M |
| Members | 36,587 |
| Loans Outstanding | $214.1M |
| Shares & Deposits | $246.4M |
| Net Worth | $44.6M |
| Net Worth Ratio | 14.92% |
| Loan-to-Share Ratio | 86.9% |
| Delinquency Rate | 0.38% |
| Net Income | +$4,892,628 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
6 locations · 2 ATMs
Main Office
Main Office3469 Summit Blvd
West Palm Beach, FL 33406
Boynton Beach
1301 N Congress Ave
Boynton Beach, FL 33426
Ft Pierce
4009 Okeechobee Rd
Fort Pierce, FL 34947-4563
Central Palm Beach
8993 Okeechobee Blvd
West Palm Beach, FL 33411
South Florida FCU Main Branch
1902 NW 14th Ave
Miami, FL 33125-1658
Who Can Join GUARDIANS?
Membership Type: Community
Membership eligibility for GUARDIANS may vary. Contact the credit union directly to confirm qualification requirements.
Contact GUARDIANS directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Florida RankingsFrequently Asked Questions
Yes. GUARDIANS 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, GUARDIANS has 36,587 members and a potential membership field of 2,084,391 people.
GUARDIANS's net worth ratio is 14.92% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 14.9%, GUARDIANS meets this threshold.
GUARDIANS operates 6 branch locations and has access to 2 ATMs. The main office is located at 3469 Summit Blvd, West Palm Beach, FL 33406.
GUARDIANS was established in 1991. It is a state-chartered credit union chartered under charter number 67521. The institution has been serving members for 35 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or GUARDIANS. All financial data is for informational purposes only.