# GUARDIANS
WEST PALM BEACH, FL · NCUA charter 67521 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/guardians-67521

Who the members are: state charter, organized 1991, low-income designated. 36,283 members of 2,144,447 potential (1.7% of the field); checking penetration 101% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $309.5M |
| Members | 36,283 (-1.3% YoY) |
| Full-time staff | 94 |
| Net worth | $45.0M |
| Net worth ratio | 14.5% (p86 of band) |
| ROA (annualized) | 0.44% (p32 of band) |
| Total delinquency | 0.15% (p9 of band) |
| Net charge-offs (annualized) | 1.14% (p92 of band) |
| Loans / shares | 83% (p73 of band) |
| Cash / assets | 26.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.00% (p77 of band) |
| Operating expense / assets | 4.86% (p92 of band) |
| Vehicles % of loans | 35% (p55 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.24% (p20 of band) |
| Vehicle NCO | 1.37% (p82 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 45% |
| Credit cards % of loans | 5% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 13% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 16% |
| Average share balance | $2,668 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.8M |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $16,278 |
| Loans granted, annualized | $56.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.8M outstanding purchased (4.1% of net worth), $2.3M sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -0.3% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | expense trap |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | net worth falling, charge-offs p90 |  |
| 2017-06 | 3 | delinquency rising | net worth falling |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | delinquency rising |
| 2018-03 | 3 | net worth falling, delinquency rising | charge-offs p90 |
| 2018-06 | 0 |  | expense trap, net worth falling, delinquency rising |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 2 | expense trap, charge-offs p90 | delinquency rising |
| 2019-06 | 1 |  | charge-offs p90 |
| 2019-09 | 2 | delinquency rising |  |
| 2019-12 | 1 | charge-offs p90 | expense trap, delinquency rising |
| 2020-03 | 2 | net worth falling, expense trap | charge-offs p90 |
| 2020-06 | 2 | margin squeeze | expense trap |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | charge-offs p90 |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 | net worth falling | margin squeeze |
| 2022-06 | 0 |  | charge-offs p90, net worth falling |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | delinquency rising |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | expense trap |  |
| 2024-06 | 0 |  | delinquency rising, assets shrinking, expense trap |
| 2024-09 | 1 | charge-offs p90 |  |
| 2024-12 | 0 |  | charge-offs p90 |
| 2025-03 | 1 | expense trap |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | charge-offs p90 |  |

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

- 2026-05-26 [The Credit Union Impact Foundation announces 2026 grant recipients - CUInsight](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPWU1lcXlRT19fLXU3QUM5d0hkWFVHTjFrZkwwZU8yTVdGay02cXUyeGx3MG9qUE8yQUgzSlg1bHAtMExCaDZjYmpQZGVpLWxBY0hfbGJtdklFdGxndUtOSXU4ZXhCdVRfZGdic0VyLVdKYlZGNUxQY2VEa2hQSlZSWVZPMzZaM1RDS05USDEzLUJNSUFicHREWXVTblhHaFE2enlLZzNWaG1hY2c?oc=5) · CUInsight
- 2026-07-06 [Mandel Public Library to Host 4th Community Resource Marketplace Event - City of West Palm Beach](https://news.google.com/rss/articles/CBMihgFBVV95cUxPc2wwMEF3RGVQYXlySUlITnIzRTBuZXljdUxpZUk3Z0ZZazFpWGlDRWFGRFlGWkNzWk9QY0tNSFRqNE5VeWFmb3M3enpBT3B0VnlSYUtUSlRHeklRWmp0THZlcDFncm9sUlhkVWFtdUFqb29rM1dvNF8zcnZOOWNUWi1tekJPQQ?oc=5) · City of West Palm Beach
- 2025-12-09 [Prospector Baseball Group Acquires Akron RubberDucks - MLB.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxNZ0w4dlc1cHNrSl9mUTR2QXd2ang0Sk5OTGhQelQ3SlhNUjFFdUN3TkxEd1FhMTVGdG80QmJvcVNpZ29MSnAwaG9La1huQmx3eFVNSlhrRnhZa3pRUGNqWmNwQTMyOXQ0cDc4NHI3V0Zta2Z5QXo4d3dLNUhKMmFIZ1hONkFNWFAzZ1ZBRw?oc=5) · MLB.com
- 2024-02-22 [Credit union to open 1st Broward County branch in Pembroke Pines - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxQS190UnFmOFVFQ2tHd01IelRlN3N2QVBDQjI2WWJ5bEczV0Q1UUJuN1o5ZTU0M21oUjE2TkZzMUhvZy1teGVPS3BBM09XS1RvNjhFMnBuMHVwdnptSGFoTVFkcjdPbTdFdU5vSk15ZTVlVmRmY2Zlbm5KenJpSTJQbjdVM2JFVUg5UDBMMko3OHlCYVBWcjdyUVdSQlJnVk1f?oc=5) · The Business Journals
- 2024-12-22 [Top Palm Beach County professionals, business people on the move for the week of Dec. 22 - The Palm Beach Post](https://news.google.com/rss/articles/CBMi4AFBVV95cUxONV9OLXpacFFqbFBNWXZDTmVWMzlXcEJ0YVZ4MHBadUcyTHFEa19JaHV3V2Zva0ZUc1BPbVdfZUdvaEdqQlNHdkhNcUhSdWQxNVUxMEtHSks4MThtX3EwUEN2RGdVd3U0dzROcnNrM2JHYWdIdnVYbUxINE0wVm90dUYxNHNMUmF1WGVpS0NFQlQtSmt3aEdaalBXZzd2RGpkUV91YnZJN2tKUHYyMFRCNUVrV2tfdmY4MjktSFJxbS1tdzNTajMyemZ5MjEtLVc0ZXk4Rkw4M19hRG1YUFRxLQ?oc=5) · The Palm Beach Post
- 2026-07-14 [How Navy Federal Credit Union Is Helping Airmen Become Homeowners - airandspaceforces.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxQRGtXbWZzeDhEN1U4TjJ2c1ZvUjlqbHB1NzhDd1pZVmJqcGpsY3NHTEVZXzFNSmtvdGNEdnkzbU9KM2NyMnRQRjVtNWxFODktTEtZdURPNkwySlpaanFsR1JoQjdzUjg1VE5ma0MwZG9jbEdTX2pGa0FaWDNucjc0T1UxSkF0M0ZMUzVkOGwzQkN6RTJvSDV6clVmbHV3ZGIxVnc?oc=5) · airandspaceforces.com
- 2026-02-04 [Guardians Announce Greg DiCenzo returns to lead 2026 RubberDucks Field Staff - mlb.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPS0VjN1hlV3ExS2ROSGxmZjBKWXkwaDBCV05GNlhGQVRrM25lck5ETWNZUEIyVHMySjRXeUNfWHUtTm55bXNCTGV2cWRUTTJHZUJjZ2pwTUR5RkxoWkJJMFRJRWU4MXJJcG9zZzFuMzJGTTh0bGMtcUN1R0FXY3hnUnNDV0s4YnZZZDNyNnREbWwxbU0za1hDZA?oc=5) · mlb.com
- 2025-07-30 [Mandel Public Library to Host Annual Community Resource Marketplace - City of West Palm Beach](https://news.google.com/rss/articles/CBMizwFBVV95cUxNZmVPSF9FcjJvbzRQM3cyMk9CYnpyY1NTNWtxQi1ULXZTNGdfOWpTLUJMbEVVSUZtZS11UWo4VjR5bFNhUVktMWczY1E1bjZteW5pdS1rT1Z1WmtUQVI0V0hVeFdJLVN4S1g4ZUxXMXZ5eVY5V2RqMnpXVUQ5ckRDeTVldnRLYkpsQ2ViZFhjUndGNlZZLV9jVmhtVURZNDNRVkJHMU1IUTNJYmhqemNsQVFmVldDTVRFQ3pPODJXY2hsNjNLeWE0dnZiMnJ6eTg?oc=5) · City of West Palm Beach

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67521 (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/1.json (key "67521", 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=67521
- 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