Guardian CU (AL)

Guardian CU (AL) is headquartered in Montgomery and is the 17^st largest credit union in the state of Alabama. It is also the 814^st largest credit union in the nation. It was established in 1958 and as of December of 2012, it had grown to 81 employees and 34,114 members. Guardian CU (AL)'s savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2012

Institution Statistics GUARDIAN NCUA # 68374 BankRate Report View Year Chartered 1958 Employees 81 Primary Regulator Assets and Liabilities Assets $228.85 million Loans $110.24 million Deposits $195.45 million Equity Capital $31.88 million Loan Loss Allowance $1.46 million Unbacked Noncurrent Loans $2.79 million Real Estate Owned $333,000 Historic Data - December 2011 Assets $212.08 million Equity Capital $27.26 million Loan Loss Allowance $1.98 million Unbacked Noncurrent Loans $2.48 million Real Estate Owned $85,000 Profit Margin - Quarterly Net Interest Margin 5.66% Return on Assets 0.44% Return on Equity 3.16% Interest Income $8.53 million Non-Interest Income $3.66 million

Institution Health Overall Score: 5 out of 5 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, 2012 Guardian CU (AL) had $3.12 million in non-current loans and owned real-estate with $33.34 million in equity and loan loss allowances on hand to cover it. This gives Guardian CU (AL) a Texas Ratio of 9.37% which is above average. 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) held steady from 8.77% as of December 31, 2011 to 9.37% as of December 31, 2012, resulting in a negative change of 6.76%. This indicates that the balance sheet and financial strength for Guardian CU (AL) has held steady in recent periods. Deposit Growth In the past year, Guardian CU (AL) has increased its total deposits by $13.25 million, resulting in 7.27% 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. Capitalization 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 $228.85 million in assets with $33.34 million in equity, resulting in a capitalization level of 14.57%, which is excellent.

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