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244-9999
1789 Cong W L Dickinson Dr
Montgomery, AL 36109-2601

Guardian CU (AL) is headquartered in Montgomery and is the 14st largest credit union in the state of Alabama. It is also the 767th largest credit union in the nation. It was established in 1958 and as of March of 2014, it had grown to 97 employees and 37,620 members. Guardian CU (AL)'s savings rates are 44% higher than the national average, and it boasts 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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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Guardian CU (AL) had $2.21 million in non-current loans and owned real-estate with $33.32 million in equity and loan loss allowances on hand to cover it. This gives Guardian CU (AL) a Texas Ratio of 6.62% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for Guardian CU (AL) experienced no significant changes from 7.07% as of March 31, 2013 to 6.62% as of March 31, 2014, resulting in a positive change of 6.28%.This indicates that the balance sheet and financial strength for Guardian CU (AL) has had no significant changes in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Guardian CU (AL) has increased its total deposits by $21.28 million, resulting in 10.66% 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

GRADE:
A+

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 $264.34 million in assets with $33.32 million in equity, resulting in a capitalization level of 12.60%, which is excellent.

Institution Statistics

Overall
NCUA #68374
Year Chartered1958
Employees97
Primary Regulator
Assets and Liabilities
Assets$264.34 million
Loans$159.91 million
Deposits$220.91 million
Equity Capital$31.98 million
Loan Loss Allowance$1.33 million
Unbacked Noncurrent Loans$2.04 million
Real Estate Owned$169,000
Historic Data - March 2013
Assets$233.65 million
Equity Capital$32.26 million
Loan Loss Allowance$1.51 million
Unbacked Noncurrent Loans$2.04 million
Real Estate Owned$84,000
Profit Margin - Quarterly
Net Interest Margin1.57%
Return on Assets1.07%
Return on Equity8.82%
Interest Income$2.88 million
Rates

Always verify rates and promotions with the bank or credit union. We are not Guardian CU (AL), we are a rate comparison website and can not provide official rates or promotions.

Guardian CU (AL) Savings Account Rates

DetailsAPYMINMAXPRODUCT
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

DetailsAPYMINMAXPRODUCT
0.50%$25k-Money Market

Guardian CU (AL) Checking Account Rates

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

Guardian CU (AL) CD Rates

DetailsAPYMINMAXPRODUCT
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

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


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