| Metric | Guardians Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.6% | +3.9% | -3.3 pts |
| Share growth (YoY) | -0.3% | +3.3% | -3.6 pts |
| Loan growth (YoY) | -1.7% | +2.9% | -4.6 pts |
| ROA | 0.44% | 0.69% | -0.3 pts |
| ROE | 3.0% | 5.9% | -2.9 pts |
ROA ranks in the 32nd percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $309.5M | $256.1M | $211.6M | $45.0M | $340K | 0.44% | 4.00% | 0.15% | 36,283 |
| Q4 2025 | $299.1M | $246.4M | $214.1M | $44.6M | $3.3M | 1.12% | 4.35% | 0.38% | 36,587 |
| Q3 2025 | $299.0M | $246.7M | $215.8M | $43.9M | $2.6M | 1.15% | 4.31% | 0.15% | 36,684 |
| Q2 2025 | $304.7M | $253.4M | $213.8M | $42.8M | $1.6M | 1.03% | 4.13% | 0.37% | 36,735 |
| Q1 2025 | $307.6M | $256.9M | $215.2M | $41.9M | $608K | 0.79% | 3.95% | 0.19% | 36,777 |
| Q4 2024 | $302.6M | $254.3M | $217.7M | $41.3M | $3.6M | 1.19% | 4.17% | 0.29% | 36,730 |
| Q3 2024 | $297.4M | $249.3M | $220.8M | $40.5M | $2.8M | 1.26% | 4.19% | 0.31% | 36,807 |
| Q2 2024 | $299.1M | $249.4M | $221.1M | $39.1M | $1.4M | 0.93% | 4.11% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Guardians Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.44% | 0.69% | 32nd | |
Return on equity Annualized net income ÷ equity or net worth | 3.0% | 5.9% | 26th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 0.25% |
| 36,823 |
Loan mix (Q1 2026): real estate $94.7M · commercial $5.9M · consumer $99.2M · securities $15.3M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.2% | 78.7% | 63rd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Guardians Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Guardians Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Guardians Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Guardians Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Guardians Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
6 branches in 3 counties across 1 state (+1 vs 2024). Biggest market: Palm Beach, FL, ranked 35th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Palm Beach, FL | 4 | $168.9M* | 0.26% | 35th |
| St. Lucie, FL | 1 | $42.2M* | 0.64% | 14th |
| Miami-Dade, FL | 1 | $42.2M* | 0.02% | 66th |
Florida: 159th with 0.03% · Miami-Fort Lauderdale-West Palm Beach metro: 68th, 0.06% · Port St. Lucie metro: 17th, 0.30% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 6 · 2023 5 · 2024 5 · 2025 6