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Overview / Commentary
418 Madison Ave
Montgomery, AL 36104

Guardian CU (AL) is headquartered in Montgomery and is the 16st largest credit union in the state of Alabama. It is also the 778th largest credit union in the nation. It was established in 1958 and as of December of 2013, it had grown to 92 employees and 36,092 members. Guardian CU (AL)'s savings rates are 44% higher than the national average, and it has a A health rating.

Field of Membership Restrictions

Everyone who lives, works, worships or attends school in Autauga, Butler, Chilton, Coosa, Crenshaw, Elmore, Lee, Lowndes, Macon, Montgomery, Russell and Tallapoosa counties. - See Details

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Guardian CU (AL) had $2.62 million in non-current loans and owned real-estate with $32.3 million in equity and loan loss allowances on hand to cover it. This gives Guardian CU (AL) a Texas Ratio of 8.10% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Guardian CU (AL) decreased slightly from 9.37% as of December 31, 2012 to 8.10% as of December 31, 2013, resulting in a positive change of 13.52%.This indicates that the balance sheet and financial strength for Guardian CU (AL) has improved slightly in recent periods.

Deposit Growth


In the past year, Guardian CU (AL) has increased its total deposits by $15.28 million, resulting in 7.82% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Guardian CU (AL) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Guardian CU (AL) has $252.46 million in assets with $32.3 million in equity, resulting in a capitalization level of 12.80%, which is excellent.

Institution Statistics

NCUA #68374
Year Chartered1958
Primary Regulator
Assets and Liabilities
Assets$252.46 million
Loans$145.24 million
Deposits$210.73 million
Equity Capital$31.02 million
Loan Loss Allowance$1.29 million
Unbacked Noncurrent Loans$2.52 million
Real Estate Owned$97,000
Historic Data - December 2012
Assets$228.85 million
Equity Capital$31.88 million
Loan Loss Allowance$1.46 million
Unbacked Noncurrent Loans$2.52 million
Real Estate Owned$333,000
Profit Margin - Quarterly
Net Interest Margin4.8%
Return on Assets0.59%
Return on Equity4.84%
Interest Income$8.80 million

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Guardian CU (AL) Savings Account Rates

0.75%$25-Variable Quarterly IRA
0.40%$3k-Bonus Share Account
0.30%$2,500-Club Account
0.30%$2,500-Share Account

Guardian CU (AL) Money Market Rates

0.50%$25k-Money Market

Guardian CU (AL) Checking Account Rates

0.45%$5k-Premier Checking
0.15%$2,500-Free Checking

Guardian CU (AL) CD Rates

1.61%$500-60 Month CD
1.56%$500-48 Month CD
1.56%$500-54 Month CD
1.51%$500-36 Month CD
1.51%$500-42 Month CD
1.26%$500-24 Month CD
1.26%$500-30 Month CD
1.00%$500-12-17 Month CD
1.00%$500-18-23 Month CD
0.85%$10k-11 Month No Penalty CD
0.50%$500-6-11 Month CD
0.40%$500-3-5 Month CD

Guardian CU (AL) IRA Rates

1.51%$500-36 Month IRA
1.26%$500-24 Month IRA
1.00%$500-12 Month IRA
0.50%$500-6 Month IRA

Guardian CU (AL) Locations
Branch Office102 Interstate CtPrattville, AL 36066-7363
Branch Office18 S Ann AveTallassee, AL 36078
Branch Office105 N Memorial DrPrattville, AL 36067
Branch Office3380 Eastdale CirMontgomery, AL 36117
Branch Office418 Madison AveMontgomery, AL 36104
Branch Office15 E South StMontgomery, AL 36104-4111
Branch Office1789 Cong W L Dickinson DrMontgomery, AL 36109-2601
Branch Office616 Madison AveMontgomery, AL 361043600