Guardian

Oak Creek, WI · 2 · Charter #66638 · www.guardiancu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$285.8M
12th percentile
Members
25,427
42th percentile
Total loans
$167.2M
10th percentile
Total shares
$252.2M
14th percentile

Profitability

Return on assets
0.85%
40th percentile
Net interest margin
3.98%
81th percentile
Efficiency ratio
75.75%
3th percentile
Non-interest income ratio
27.39%
88th percentile

Capital & Risk

Net worth ratio
10.78%
49th percentile
Delinquency rate
0.51%
69th percentile
Net charge-off rate
0.49%
41th percentile
Loan-to-share
66.31%
21th percentile

Growth

Member growth YoY
-3.72%
14th percentile
Asset growth YoY
0.25%
14th percentile
Loan growth YoY
-5.63%
7th percentile
Share growth YoY
-0.24%
12th percentile

Operations

Members / branch
4,238
41th percentile
Assets / member
$11,242
7th percentile
Field of membership penetration
2.54%
33th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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