Guardians Credit Union is headquartered in West Palm Beach and is the 46th largest credit union in the state of Florida. It is also the 994th largest credit union in the nation. It was established in 1991 and as of September of 2022, it had grown to 86 employees and 35,909 members at 6 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
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 | 86 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.84% |
| Return on Equity - YTD | 6.65% |
| Annual Interest Income | $6.4MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2022vs Q3 2021 | $303.3MM$292.1MM |
| Loans | Q3 2022vs Q3 2021 | $181.3MM$145.1MM |
| Deposits | Q3 2022vs Q3 2021 | $260.1MM$251.8MM |
| Equity Capital | Q3 2022vs Q3 2021 | $38.5MM$36.2MM |
| Loan Loss Allowance | Q3 2022vs Q3 2021 | $1.5MM$1.6MM |
| Unbacked Noncurrent Loans | Q3 2022vs Q3 2021 | $180.00K$171.00K |
| Real Estate Owned | Q3 2022vs Q3 2021 | $0$0 |