GUARDIANS
Charter #67521 · WEST PALM BEACH, FL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 36,283 ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 14.53% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.13% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.15% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.13% sits at the 90th percentile of structural peers — worth a closer look.
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 | GUARDIANS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $309.50M | 74th pct | 59th pct |
| Members | 36,283 | 98th pct | 95th pct |
| Net worth ratio | 14.53% | 83th pct | 80th pct |
| Return on average assets | 0.45% | 33th pct | 31th pct |
| Net interest margin | 4.07% | 75th pct | 52th pct |
| Cost of funds | 0.13% | 8th pct | 10th pct |
| Loan-to-share | 82.65% | 75th pct | 61th pct |
| Delinquency 60+ days | 0.15% | 10th pct | 11th pct |
| Net charge-off ratio | 1.13% | 92th pct | 90th pct |
| Loan growth YoY | -1.96% | 25th pct | 10th pct |
| Share growth YoY | 3.79% | 55th pct | 64th pct |
| Efficiency ratio | 82.21% | 63th pct | 69th pct |
structural peer set hash: d852163463e030efe5013aa27f73821a… (reproducible)
Closest structural peers
This is the free public view
Claim GUARDIANS
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.