Charter 67521 · West Palm Beach, FL
Guardians Credit Union
Guardians Credit Union is a state-chartered credit union in West Palm Beach, Florida, with $310 million in assets and 36,157 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 14.68%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $310 million
- +1.6% in a year
- Members
- 36,157
- -1.6% in a year
- Net worth ratio
- 14.68%
- Peer median 11.65%
- Loans 60+ days late
- 0.42%
- Peer median 0.70%
- Loans outstanding
- $207 million
- -3.0% in a year
- Shares and deposits
- $256 million
- +1.2% in a year
- Branches
- 6
- 101 employees
- Opened
- 1991
- Florida charter
How Guardians Credit Union compares
NCUA groups credit unions by size; Guardians Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 14.68% is higher 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 3.0% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 45 of 107 credit unions headquartered in Florida. See all Florida credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $310 million | 36,157 | $207 million | 14.68% | 0.42% |
| Q1 2026 | $309 million | 36,283 | $212 million | 14.53% | 0.15% |
| Q4 2025 | $299 million | 36,587 | $214 million | 14.92% | 0.38% |
| Q3 2025 | $299 million | 36,684 | $216 million | 14.67% | 0.15% |
| Q2 2025 | $305 million | 36,735 | $214 million | 14.06% | 0.37% |
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 2.1 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 6 sites for Guardians Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Main Office (main office)
3469 Summit Blvd, West Palm Beach, FL 33406 - Boynton Beach
1301 N Congress Ave, Boynton Beach, FL 33426 - Ft Pierce
4009 Okeechobee Rd, Fort Pierce, FL 34947 - Central Palm Beach
8993 Okeechobee Blvd, West Palm Beach, FL 33411 - South Florida FCU Main Branch
1902 Nw 14Th Ave, Miami, FL 33125 - Ibis
10130 Northlake Blvd, West Palm Beach, FL 33412
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