GUARDIAN
Charter #66638 · Oak Creek, WI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 25,140 ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.43% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 86.18% sits at the 82nd percentile of structural peers — worth a closer look.
- On Delinquency 60+ days, the asset-size band puts this credit union at the 34th percentile but its structural peers at the 18th — a 16-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | GUARDIAN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $291.23M | 72th pct | 74th pct |
| Members | 25,140 | 88th pct | 84th pct |
| Net worth ratio | 10.90% | 41th pct | 39th pct |
| Return on average assets | 0.48% | 35th pct | 34th pct |
| Net interest margin | 3.90% | 67th pct | 62th pct |
| Cost of funds | 0.50% | 19th pct | 30th pct |
| Loan-to-share | 61.86% | 30th pct | 26th pct |
| Delinquency 60+ days | 0.43% | 34th pct | 18th pct |
| Net charge-off ratio | 0.49% | 64th pct | 51th pct |
| Loan growth YoY | -5.48% | 5th pct | 8th pct |
| Share growth YoY | 0.59% | 13th pct | 13th pct |
| Efficiency ratio | 86.18% | 76th pct | 82th pct |
structural peer set hash: f92232593e9339c6c78ef0445d73d199… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.