Guardian CU (WI)

Guardian CU (WI) is headquartered in West Milwaukee and is the 20^th largest credit union in the state of Wisconsin. It is also the 777^th largest credit union in the nation. It was established in 1934 and as of December of 2011, it had grown to 85 employees and 34,135 members. Guardian CU (WI)'s savings rates are 44% higher than the national average, and it has a 3-star health rating.

Guardian CU (WI) Checking Account Rates

Guardian CU (WI) Savings Account Rates

Guardian CU (WI) Money Market Rates

Guardian CU (WI) CD Rates

Guardian CU (WI) IRA Rates

Data for Q4 2011

Institution Statistics GUARDIAN NCUA # 66638 BankRate Report View Year Chartered 1934 Employees 85 Primary Regulator Assets and Liabilities Assets $232.74 million Loans $161.09 million Deposits $173.70 million Equity Capital $15.23 million Loan Loss Allowance $2.08 million Unbacked Noncurrent Loans $3.62 million Real Estate Owned $5.81 million Historic Data - December 2010 Assets $227.27 million Equity Capital $14.92 million Loan Loss Allowance $2.79 million Unbacked Noncurrent Loans $3.37 million Real Estate Owned $5.82 million Profit Margin - Quarterly Net Interest Margin 4.38% Return on Assets 0.14% Return on Equity 2.09% Interest Income $8.30 million Non-Interest Income $6.25 million

Institution Health Overall Score: 3 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, 2011 Guardian CU (WI) had $9.43 million in non-current loans and owned real-estate with $17.31 million in equity and loan loss allowances on hand to cover it. This gives Guardian CU (WI) a Texas Ratio of 54.47% which is below 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 (WI) held steady from 51.89% as of December 31, 2010 to 54.47% as of December 31, 2011, resulting in a negative change of 4.96%. This indicates that the balance sheet and financial strength for Guardian CU (WI) has held steady in recent periods. Deposit Growth In the past year, Guardian CU (WI) has increased its total deposits by $7.44 million, resulting in 4.48% 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 (WI) has shown is above average. 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 (WI) has $232.74 million in assets with $17.31 million in equity, resulting in a capitalization level of 7.44%, which is below average.

No reviews have been left for this bank yet. Be the first to review.