# GUARDIAN
Oak Creek, WI · NCUA charter 66638 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/guardian-66638

Who the members are: state charter, organized 1934, low-income designated. 25,140 members of 1,000,000 potential (2.5% of the field); checking penetration 56% (share draft accounts per 100 members); loans per 100 members 239.

**Verdict on the desk:** this could be *participation buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $291.2M |
| Members | 25,140 (-4.0% YoY) |
| Full-time staff | 88 |
| Net worth | $31.1M |
| Net worth ratio | 10.7% (p41 of band) |
| ROA (annualized) | 0.48% (p34 of band) |
| Total delinquency | 0.43% (p33 of band) |
| Net charge-offs (annualized) | 0.51% (p63 of band) |
| Loans / shares | 62% (p25 of band) |
| Cash / assets | 22.3% |
| Borrowings / assets | 2.40% |
| Net interest margin | 3.86% (p72 of band) |
| Operating expense / assets | 4.78% (p90 of band) |
| Vehicles % of loans | 49% (p79 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 30% |
| Third-party paper % of net worth | 198% (p80 of band) |
| Vehicle delinquency | 0.31% (p28 of band) |
| Vehicle NCO | 0.59% (p49 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 27% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 1% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 3% |
| Average share balance | $5,063 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $20.9M |
| Loans outstanding per 100 members | 239% |
| Loans granted per 100 members, annualized | 18% |
| Average loan balance | $2,644 |
| Loans granted, annualized | $73.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $20.9M outstanding purchased (67.1% of net worth), $78,196 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares -0.9% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 6 | thin capital, capital below 7%, expense trap, delinquency 2x band, 3rd-party paper>100% NW |  |
| 2016-06 | 6 |  |  |
| 2016-09 | 6 |  |  |
| 2016-12 | 6 |  |  |
| 2017-03 | 7 | charge-offs p90 |  |
| 2017-06 | 7 |  |  |
| 2017-09 | 7 | losing money | delinquency 2x band |
| 2017-12 | 7 |  |  |
| 2018-03 | 5 |  | expense trap, charge-offs p90 |
| 2018-06 | 4 |  | losing money |
| 2018-09 | 4 |  |  |
| 2018-12 | 5 | members leaving |  |
| 2019-03 | 5 |  |  |
| 2019-06 | 5 |  |  |
| 2019-09 | 6 | loan book shrinking |  |
| 2019-12 | 5 |  | loan book shrinking |
| 2020-03 | 5 |  |  |
| 2020-06 | 7 | net worth falling, margin squeeze |  |
| 2020-09 | 6 |  | net worth falling |
| 2020-12 | 5 |  | members leaving |
| 2021-03 | 3 |  | capital below 7% |
| 2021-06 | 2 |  | margin squeeze |
| 2021-09 | 3 | members leaving |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 3 |  |  |
| 2022-09 | 4 | delinquency rising |  |
| 2022-12 | 3 |  | delinquency rising |
| 2023-03 | 4 | delinquency rising |  |
| 2023-06 | 3 |  | thin capital |
| 2023-09 | 3 | assets shrinking | delinquency rising |
| 2023-12 | 4 | delinquency rising |  |
| 2024-03 | 3 |  | assets shrinking |
| 2024-06 | 2 |  | delinquency rising |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | expense trap |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2015-12-21 [“My card was declined:” Credit union members` accounts drained by thieves days before Christmas - FOX6 News Milwaukee](https://news.google.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?oc=5) · FOX6 News Milwaukee
- 2024-05-23 [Dukes Chip Away Before Stunning Cajuns In SBC Tourney, 10-9 - KATC](https://news.google.com/rss/articles/CBMinAFBVV95cUxNSTg1QW1rWUZINVZ5MEZCazVmQ2FJRzVHOUFDMmtaQkRGXzZlcmZYLVhkdjZHcUdzZHhYakNnbHJ4YTc2NnJSYmhtMHRFanVac2JhR1R0R3lyRi10SzI4SV9UYmthZlc3Z3E2RlNoVkp1TWl4RkpNUk9nQTZtR0RyOGZ6b1p6emw4dTFFOFFXeVozX2FLQWRtUHZreW0?oc=5) · KATC
- 2012-02-06 [Personnel File - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMiUkFVX3lxTE1Cd1c1dGtWckF3WUp4Vkczb3ZPS3lRSGJIOTBFbm5WUEd4b3E0Ty0ydUtmWWdZQll4WWJFUnZCZWdROFVzTlFOSWFqejZuYzdkTGc?oc=5) · BizTimes - Milwaukee Business News
- 2024-04-07 [US victim wrongly locked up for years vindicated as identity thief pleads guilty - The Guardian](https://news.google.com/rss/articles/CBMimAFBVV95cUxNTElJTl9NNHY5cGhtSmxzdUFXZGo0SnlOTS1xYmpMVThVTXRtbEVmSzhIR2M4OTc4amM0a3hvU3FHNFRQcHVCaE1hZnd0dlFpUmNKVmEwWUtxOXBhb0lsY1JKbHVXazZwcVdwblNsbEVXbnI3WG9yOHNaOF9iUl9qdHhrRW9VUFd4Y3c5VjRzeGUwLXZmYmt0UA?oc=5) · The Guardian
- 2017-05-18 [Guide to free outdoor movies showing in the Milwaukee area — 2017 edition - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMi0AFBVV95cUxQME9RcmMwYlZYbXFnakxfMnB0aHh4dHB6d3JRdDZBZlRJclJsc3JLZDBDcGJ3dWc5SHVnZ1loM25oOWNKQXdVTVREVTgxQXBaZjdNclVvdXpma1VGNzdQTC1CMmdXNEF4V0w2WldLdUxoNU1qanNQckRKdURwT1hsdVRhUVlQZEVSR0NTMDA2UG5oWU5oQS04OTNIVEViMzNKYmNyNmd5SldxWWlyN0Z5bTZDQk5yR0pyRGgteHNDcnZGR3dqSlh4Zl8wUUlxVWty?oc=5) · Milwaukee Journal Sentinel
- 2021-06-23 [Alphonse Kraus Obituary (2007) - Wauwatosa, WI - Milwaukee Journal Sentinel - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxPRC1ubnVESkE4bmZ3SVNFTUcwQ0h3cG40b3RqWUtYMjJmTGY4SGVDSFVJYUFWempTR1pHYlJHOHBkRms2VmtyN0V0ZE80MFlmYTVvVGc3dk9CZkVtSklsOG4yb25ncmk4V0hNUFNIQXU3MnY5M3lsYUlrWmJSNDVhcE1iWWtGZ3hybFZETGt3?oc=5) · legacy.com
- 2015-01-22 [The Fiver | When you were 16 years old - The Guardian](https://news.google.com/rss/articles/CBMif0FVX3lxTE55UUdDZ0dKY3B2ZlRRMy1LZkpiSmhkbW1GeUVYYkx4bllTaXZaVlo1a1o0RVBpZnpRYjBFM1l0ZXd2amhkdUViOVVPTVBVWVpSZlI0MEZQaHRMaWltX3Q1OXZrNVZmc2l0VVNfbm4xbVdTRXRZejdWQ3ZQUV9EQ1k?oc=5) · The Guardian
- 2026-03-12 [Pussycat Dolls Tour 2026 Announced: Check ‘PCD Forever’ World Tour Schedule, Tickets, Dates and Venues - The Sunday Guardian](https://news.google.com/rss/articles/CBMi6wFBVV95cUxNR3gtQ1l6M3U4bXBwRl9aTHdiVDlWMVpmSFBjZURMZTVQM281MDZ6NW5zckRLZGJ3RWNXZElZYWRiV0liTnVQbVBJVGFaYXdNdEdDYjlGZ2JiZmpyRFNiOG5iY19obW00dzFBSEYzenROai12Wll1X01nUzZNVzZGSnZZcm02ZTNhaGxQWnZvbnlaaVJydzdSTWp6RnIxeF95R2ZDaTVGNDZOQXhvbHNPZXdiYW5CSlVNOUMyUmFhU2VLS0psdVJscm9uU2tKVi1ZdjRiTWZqcHZzSWxrYjYwR0tQTjZRMzc0d0ww0gHwAUFVX3lxTE84YUNKTzE0MEcwRWpyX2Y4VWMybjllMEZ1NnRqcVR3X2VBRGs4WDVRXy1WbUg0MUlPdDljQVdIbkx4dEtOTXJtWTlOZFdoNzF1cTJsVjFxSnU5bEhfRmUyQXpTa0dycXlEaWdWaFhoOHFkaWw0UlllSEUyaS1BS0VjUVgzZ1AtMjdyMVc1OHR3TXRHLTFQeEZKTk1jRERVSm9TMWxGcmlyb0VIV2ZTbTgyRkVyZC1DbC1YY3FXTDlVLVhSWDQ3YzYwRUpUNmxoY3BYS18xbHpZNDhNdXEyM21ubkFmSXRsVWIydngtTnlMdQ?oc=5) · The Sunday Guardian

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66638 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/14.json (key "66638", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=66638
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide