Guardians Credit Union is headquartered in West Palm Beach and is the 44th largest credit union in the state of Florida. It is also the 1,024th largest credit union in the nation. It was established in 1991 and as of March of 2025, it had grown to 92 employees and 36,777 members at 5 locations. Guardians Credit Union has an A+ health rating.
Field of Membership Restrictions
Membership is open to those who live or work in Palm Beach, St. Lucie or Martin Counties.
See current membership details
Worst Customer Service In My Life!
I would give them zero stars if I could. Worst customer experience of my life. I’ve been sitting in their lobby for 2+ hours this am. After spending 2+ hours on Fri. Still no resolution. F$&@KING!! Unacceptable! DO NOT BANK or do ANY transaction with Guardians Credit Union. EVER!!! At this point I consider them to have stollen $36k. Don’t do it! ??????????????????????????????????????????????????
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 67521 |
| Year Chartered | 1991 |
| Employees | 92 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.8% |
| Return on Equity - YTD | 5.24% |
| Annual Interest Income | $3.6MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $307.6MM$293.7MM |
| Loans | Q1 2025vs Q1 2024 | $215.2MM$222.4MM |
| Deposits | Q1 2025vs Q1 2024 | $256.9MM$246.5MM |
| Equity Capital | Q1 2025vs Q1 2024 | $46.5MM$42.9MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $2.6MM$2.8MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $401K$649K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |