Guardians
Guardians is a credit union based in West Palm Beach, Florida, established in 1991, with $309 million in total assets serving 36,283 members. By Trust Grade it ranks 34th of 107 credit unions we track in Florida. Its net worth ratio of 14.5% is stronger than 84% of similarly sized credit unions, versus a Florida median of 11.1%. It was profitable over the most recent period, with a 0.44% return on assets. No consumer complaints against Guardians appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Guardians compares to Florida peers
How we graded Guardians
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (14.5% capital ratio)
- Profitable (ROA 0.44%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Guardians over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Guardians insured?
Yes. Guardians 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.
Guardians: frequently asked questions
Is Guardians a good credit union?
Guardians earns a Bankzia Trust Grade of A (94/100, "Excellent"), based on a financial-strength score of 94/100 (it has no CFPB complaints on record). Strongly capitalized (14.5% capital ratio); Profitable (ROA 0.44%).
Is Guardians NCUA-insured?
Yes. Guardians 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 Guardians?
Guardians holds $309 million in total assets, ranking 34th of 107 credit unions we track in Florida. It serves 36,283 members.
Does Guardians have CFPB complaints?
No CFPB complaints against Guardians 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.
