Charter 66638 · Oak Creek, WI
Guardian Credit Union (Oak Creek, WI)
Guardian Credit Union is a state-chartered credit union in Oak Creek, Wisconsin, with $294 million in assets and 24,923 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 10.35%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $294 million
- +0.8% in a year
- Members
- 24,923
- -4.1% in a year
- Net worth ratio
- 10.35%
- Peer median 11.65%
- Loans 60+ days late
- 0.42%
- Peer median 0.70%
- Loans outstanding
- $158 million
- -7.5% in a year
- Shares and deposits
- $259 million
- +0.5% in a year
- Branches
- 6
- 82 employees
- Opened
- 1934
- Wisconsin charter
How Guardian Credit Union compares
NCUA groups credit unions by size; Guardian Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 10.35% is lower than that group's median of 11.65%, and its share of loans 60 or more days past due, 0.42%, is lower than the group median of 0.70%. Loans fell 7.5% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 31 of 98 credit unions headquartered in Wisconsin. See all Wisconsin credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $294 million | 24,923 | $158 million | 10.35% | 0.42% |
| Q1 2026 | $291 million | 25,140 | $159 million | 10.90% | 0.43% |
| Q4 2025 | $286 million | 25,427 | $167 million | 10.78% | 0.51% |
| Q3 2025 | $290 million | 25,735 | $168 million | 10.63% | 0.37% |
| Q2 2025 | $292 million | 25,992 | $170 million | 10.52% | 0.43% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 1.0 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 7 sites for Guardian Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Guardian Credit Union-West Milwaukee Office
4501 W Greenfield Ave, West Milwaukee, WI 53214 - Guardian Credit Union-West Allis Office
11220 W Oklahoma Ave, West Allis, WI 53227 - Guardian Credit Union-Oak Creek Office (main office)
7801 S Howell Ave, Oak Creek, WI 53154 - Guardian Credit Union-Menomonee Falls Office
W186N9559 Bancroft Dr, Menomonee Falls, WI 53051 - Guardian Credit Union-South Milwaukee Office
1025 Milwaukee Ave, South Milwaukee, WI 53172 - Guardian Credit Union-Waukesha Office
1501 E Sunset Dr, Waukesha, WI 53189 - Symitar
8985 Balboa Ave, San Diego, CA 92123
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology