# GUARDIAN
Prattville, AL · NCUA charter 68374 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/guardian-68374

Who the members are: state charter, organized 1958, low-income designated. 94,635 members of 964,255 potential (9.8% of the field); checking penetration 69% (share draft accounts per 100 members); loans per 100 members 69.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.22B |
| Members | 94,635 (2.4% YoY) |
| Full-time staff | 278 |
| Net worth | $116.4M |
| Net worth ratio | 9.6% (p23 of band) |
| ROA (annualized) | 1.10% (p79 of band) |
| Total delinquency | 1.25% (p89 of band) |
| Net charge-offs (annualized) | 0.95% (p83 of band) |
| Loans / shares | 92% (p70 of band) |
| Cash / assets | 10.3% |
| Borrowings / assets | 6.50% |
| Net interest margin | 4.05% (p91 of band) |
| Operating expense / assets | 4.38% (p93 of band) |
| Vehicles % of loans | 56% (p94 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 51% |
| Third-party paper % of net worth | 235% (p72 of band) |
| Vehicle delinquency | 1.43% (p89 of band) |
| Vehicle NCO | 1.30% (p66 of band) |
| Repossessed % of vehicle book | 0.04% (p38 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 7% |
| Core shares % of member funds | 43% |
| Certificates % of member funds | 36% |
| Average share balance | $5,182 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 69% |
| Loans granted per 100 members, annualized | 28% |
| Average loan balance | $14,383 |
| Loans granted, annualized | $377.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $1.5M sold and retained. Sold in 3 and bought in 0 of the last 8 quarters. Shares 6.7% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | expense trap, charge-offs p90, leaning on borrowings, 3rd-party paper>100% NW |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 5 | net worth falling |  |
| 2016-12 | 3 |  | leaning on borrowings, net worth falling |
| 2017-03 | 3 |  |  |
| 2017-06 | 2 |  | charge-offs p90 |
| 2017-09 | 3 | delinquency 2x band |  |
| 2017-12 | 2 |  | delinquency 2x band |
| 2018-03 | 3 | charge-offs p90 |  |
| 2018-06 | 4 | net worth falling, loans>95% of shares | charge-offs p90 |
| 2018-09 | 3 |  | net worth falling |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 | charge-offs p90 | loans>95% of shares |
| 2019-06 | 4 | loans>95% of shares |  |
| 2019-09 | 4 | delinquency 2x band | loans>95% of shares |
| 2019-12 | 5 | net worth falling |  |
| 2020-03 | 6 | delinquency rising |  |
| 2020-06 | 6 | thin capital, margin squeeze | delinquency 2x band, delinquency rising |
| 2020-09 | 3 |  | charge-offs p90, net worth falling, margin squeeze |
| 2020-12 | 4 | charge-offs p90 |  |
| 2021-03 | 4 |  |  |
| 2021-06 | 4 |  |  |
| 2021-09 | 3 |  | thin capital |
| 2021-12 | 4 | delinquency 2x band |  |
| 2022-03 | 4 |  |  |
| 2022-06 | 5 | delinquency rising |  |
| 2022-09 | 5 |  |  |
| 2022-12 | 4 |  | delinquency rising |
| 2023-03 | 5 | net worth falling |  |
| 2023-06 | 6 | delinquency rising |  |
| 2023-09 | 6 | loans>95% of shares | delinquency rising |
| 2023-12 | 8 | thin capital, leaning on borrowings |  |
| 2024-03 | 7 | margin squeeze | loans>95% of shares, leaning on borrowings |
| 2024-06 | 5 |  | charge-offs p90, net worth falling |
| 2024-09 | 5 | charge-offs p90 | margin squeeze |
| 2024-12 | 4 |  | thin capital |
| 2025-03 | 3 |  | delinquency 2x band |
| 2025-06 | 4 | leaning on borrowings |  |
| 2025-09 | 4 | delinquency 2x band | charge-offs p90 |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 |  |  |

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

- 2026-04-16 [Prattville Community Job Fair to be Held on April 23 - Alabama Department of Labor (.gov)](https://news.google.com/rss/articles/CBMiT0FVX3lxTE9IUEpxekZzQVVIazNhMTRwb2lJY2VQdGR4OXZRQzhsd0xvSXpfZFRHOHBDVzFUYkJrazBaQzlzNlVWbjY2N084ay0yZnpJem8?oc=5) · Alabama Department of Labor (.gov)
- 2025-06-19 [Guardian Credit Union coming to the Town of Pine Level - WAKA 8](https://news.google.com/rss/articles/CBMikAFBVV95cUxOVW84dWNKY3dPOVFpTFB5cnozOXVhdXU1TVlyWFZLQ3dCMktLcG5Ia2x2cFgydDltRkoxaVU0MlpxM2JTNzUtVlVGXzcwLXFrQ0tjMkVPZ0E1MjZNQXQ1c3RwdWh5VkVmdWhpMkpQUWkzRFViRmxzUDduLXFEaEhFNi1QajR1Q292MzRoZFNXazM?oc=5) · WAKA 8
- 2023-02-23 [Montgomery-based Guardian Credit Union building HQ in Prattville - WSFA](https://news.google.com/rss/articles/CBMimgFBVV95cUxPZGw2YTlYRnAweGVjbjIyOF84N0F0YUhtcTMxU2hGbjVzTFBRcmtiLUtGN2RuVTRzdHVHSDdGTzhFRER0YlFvRWlBV1JzaDhKRXFOeFlndFE3LW1VNTVaUW15VTZtNEVqRm84M2sxd2NsRzZyTF9zQmxGLTZWNWRJZjJsNk03cUVZTENwNHE0Y2hxMENyQW5qMll30gGuAUFVX3lxTE5hQWhXNm9qQUpUVUV1WHh3NXRpUWFMc1FKTlNhWW9tS0dBRVhmdFpYSTRodTUzSVlGVEtWOUhkOHlnNUJOeGVaamVjeFlhaFdsU3BQM3FyZHJJZWlXa18xN0JzQjJFd0E1a2pzQVZzd3ZpcE5jYVkyX3k0MXVSdE1GYWdiZ19Ba0NjWHB5Z1prNjRLOG50SUdmb3VPWF93QUFFYVlYWnNrNWZKX05FQQ?oc=5) · WSFA
- 2023-05-20 [Bracket Set for 2023 Guardian Credit Union Sun Belt Conference Baseball Championship Presented by Troy University - sunbeltsports.org](https://news.google.com/rss/articles/CBMi8AFBVV95cUxQMlJQcnppR0FIam02U0RIa2lkNzREVjVheXdqeGtLS3VBdHFNQnUwdm5FalhHYXE3X2lJRGVyN0RqdWZuYVFlSEI0WVBtSUo0LTlXSm9CN1pDSDVuM2x4S0hrQVFzZlB4eDZqWlpsZ3JWbURWb2ExbDlNTmZtVnBmZjRwa1VqNEJFS1U1aUNtcDJGTlhkWUszZEZ0UXEwNmxDSkF6NURMT0kxNDZYeVZpNTRYZ0lNOGJrcnBKMFZidDN3dWtMTDN1b3lFcGxmbm9nVklGVVFVZU5uZGZsSjVCNzN2WGk5SUVLYlBoQlFTSWU?oc=5) · sunbeltsports.org
- 2025-12-03 [40 companies named as Best Companies to Work for in Alabama - Business Alabama Magazine](https://news.google.com/rss/articles/CBMikgFBVV95cUxOdzRHR0k2NnA5NGpvY3BOYTBLVG80YU9RWTBUNzVjYV91M1FJRUgtdVVNUm5HZ0RxVnlHQjNSYXVRZVpfRWJnQUVCQzNWVWV1cW9taEZWZkQtRXFRSnNqYzVrNjdWWUpXRWV3Qms3YW9OeXdCNWMwTUlGTkRDa1l1RmhNZjZCZ01vWVd4OU9hVTFLZw?oc=5) · Business Alabama Magazine
- 2026-07-21 [125 ‘Christmas in July’ bags headed to Montgomery seniors through Meals on Wheels program - WSFA](https://news.google.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?oc=5) · WSFA
- 2023-02-24 [Guardian Credit Union expanding to Prattville - 1819 News](https://news.google.com/rss/articles/CBMipAFBVV95cUxOSUF4c1JMQVB4V1kxN0tvSjV3OFRGbzU5bEVjT2tPR3NXcXRONHRvdEI3eGpjSF9SSjZSSnNZekgyeVYzZ2xXRElWeUFxaVFudUZKTHRkZzFWcVdFenJENV9GbWZXYTNxdHRWU00yYlZRQjViVmhrX2M3RC1MQ01ETUlhdDhUSFFkanlXa1Q5UmNVNENSSWV5R1dUX1h0cWRsOTNxNA?oc=5) · 1819 News
- 2025-11-03 [Mary Lambert Obituary - Montgomery, AL - Dignity Memorial](https://news.google.com/rss/articles/CBMihAFBVV95cUxPSEhmUVExNDNEVE94V3NTYXMxcHNQSjZBWXktLUg1RTA2QUJQbGZUN0dNWDJUU1BQMTZaYkdSeGVOaEJCNlJadTRSeXN6bkJvNDZVVDgxenZRQVFBT1IwdlF1b2lJU2VRODBITVpzcGJMMnNwRnpkdFpRWUFONmZCcDAxV3E?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68374 (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/22.json (key "68374", 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=68374
- 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