GUARDIAN
Charter #68374 · Prattville, AL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.12% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.11% ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.42% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.25% sits at the 92nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 69.01% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
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 | $1.22B | 15th pct | 52th pct |
| Members | 94,635 | 38th pct | 70th pct |
| Net worth ratio | 9.57% | 23th pct | 31th pct |
| Return on average assets | 1.12% | 79th pct | 80th pct |
| Net interest margin | 4.11% | 91th pct | 82th pct |
| Cost of funds | 0.42% | 10th pct | 15th pct |
| Loan-to-share | 92.14% | 70th pct | 62th pct |
| Delinquency 60+ days | 1.25% | 88th pct | 92th pct |
| Net charge-off ratio | 0.95% | 82th pct | 70th pct |
| Loan growth YoY | 1.70% | 49th pct | 40th pct |
| Share growth YoY | 4.49% | 58th pct | 43th pct |
| Efficiency ratio | 69.01% | 37th pct | 23th pct |
structural peer set hash: 9f49fb136c3d661f0dab55ea23cb87c8… (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.