Guardian
Guardian is a credit union based in Prattville, Alabama, established in 1958, with $1.2 billion in total assets serving 94,635 members. By Trust Grade it ranks 67th of 89 credit unions we track in Alabama. Its net worth ratio of 9.6% trails most similarly sized credit unions (22th percentile), versus a Alabama median of 14.2%. It was profitable over the most recent period, with a 1.10% return on assets. No consumer complaints against Guardian appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Guardian compares to Alabama peers
How we graded Guardian
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.6% capital ratio)
- Strongly profitable (ROA 1.10%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Guardian over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Guardian insured?
Yes. Guardian is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Guardian: frequently asked questions
Is Guardian a good credit union?
Guardian earns a Bankzia Trust Grade of B (89/100, "Strong"), based on a financial-strength score of 89/100 (it has no CFPB complaints on record). Well-capitalized (9.6% capital ratio); Strongly profitable (ROA 1.10%).
Is Guardian NCUA-insured?
Yes. Guardian is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Guardian?
Guardian holds $1.2 billion in total assets, ranking 67th of 89 credit unions we track in Alabama. It serves 94,635 members.
Does Guardian have CFPB complaints?
No CFPB complaints against Guardian appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
