Charter 68374 · Prattville, AL
Guardian Credit Union (Prattville, AL)
Guardian Credit Union is a state-chartered credit union in Prattville, Alabama, with $1.27 billion in assets and 95,671 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.46%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $1.27 billion
- +12.6% in a year
- Members
- 95,671
- +2.9% in a year
- Net worth ratio
- 9.46%
- Peer median 10.79%
- Loans 60+ days late
- 1.45%
- Peer median 0.67%
- Loans outstanding
- $971 million
- +7.3% in a year
- Shares and deposits
- $1.03 billion
- +7.7% in a year
- Branches
- 17
- 284 employees
- Opened
- 1958
- Alabama charter
How Guardian Credit Union compares
NCUA groups credit unions by size; Guardian Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 9.46% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 1.45%, is higher than the group median of 0.67%. Loans grew 7.3% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 10 of 88 credit unions headquartered in Alabama. See all Alabama credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.27 billion | 95,671 | $971 million | 9.46% | 1.45% |
| Q1 2026 | $1.22 billion | 94,635 | $935 million | 9.57% | 1.25% |
| Q4 2025 | $1.18 billion | 93,398 | $928 million | 9.56% | 1.77% |
| Q3 2025 | $1.16 billion | 93,421 | $919 million | 9.36% | 1.35% |
| Q2 2025 | $1.13 billion | 92,981 | $905 million | 9.20% | 1.10% |
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 964,255 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 18 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.
- Federal
1789 Cong W L Dickinson Dr, Montgomery, AL 36109 - Prattville 14
102 Interstate Ct, Prattville, AL 36066 - 418 Madison
418 Madison Ave, Montgomery, AL 36104 - Eastdale
3380 Eastdale Cir, Montgomery, AL 36117 - Cobbs Ford
1794 E Main St, Prattville, AL 36066 - Tallassee
1401 Gilmer Ave, Tallassee, AL 36078 - Greenville
717 Willow Ln, Greenville, AL 36037 - Taylor Rd.
2755 Taylor Rd, Montgomery, AL 36117 - Troy
1120 Highway 231 S, Troy, AL 36081 - Washington Hill
300 Jensen Rd, Prattville, AL 36067 - Wetumpka
102 Captain Crommelin Dr, Wetumpka, AL 36092 - Clanton
1501 7Th St N, Clanton, AL 35045 - Maplesville
9411 Al Highway 22, Maplesville, AL 36750 - Andalusia
1215A Dr M L K Jr Expy, Andalusia, AL 36420 - Guardian Way (main office)
1 Guardian Way, Prattville, AL 36066 - Eclectic
35 Main St, Eclectic, AL 36024 - Pine Level
101 County Road 92, Prattville, AL 36066 - Alex City
2420 Highway 63 South, Alexander City, AL 35010
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