Guardians Credit Union is headquartered in West Palm Beach and is the 45th largest credit union in the state of Florida. It is also the 1,008th largest credit union in the nation. It was established in 1991 and as of March of 2021, it had grown to 80 employees and 36,212 members at 6 locations. Guardians Credit Union's money market rates are 48% higher than the national average, and it boasts 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
Not A Reliable Credit Union.
We opened an account and refinanced three vehicles with Guardians. Setting up the loans with Karen went very nicely. After our loans were completed we attempted to reach Karen by phone and e-mail multiple times with concerns and questions and never received any response. We were told certain tasks would be completed, and they were not. We have given up on resolving our concerns. We have chosen only to fund our account with enough money to cover our loans and continue to do our primary banking with Wells Fargo & BBVA.
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. [email protected]!! 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 | 80 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.05% |
| Return on Equity - YTD | 8.16% |
| Annual Interest Income | $1.8MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2021vs Q1 2020 | $276.5MM$215.4MM |
| Loans | Q1 2021vs Q1 2020 | $140.0MM$132.0MM |
| Deposits | Q1 2021vs Q1 2020 | $239.1MM$181.3MM |
| Equity Capital | Q1 2021vs Q1 2020 | $33.8MM$32.0MM |
| Loan Loss Allowance | Q1 2021vs Q1 2020 | $1.8MM$1.5MM |
| Unbacked Noncurrent Loans | Q1 2021vs Q1 2020 | $210.00K$488.00K |
| Real Estate Owned | Q1 2021vs Q1 2020 | $0$0 |