Guardians West Palm Beach, FL · Charter 67521 · Peer group: credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (n=20)
NCUA · 6 branches
Q2 2026
$309.5M Assets
$207.4M Loans
$256.4M Shares
$45.4M Net Worth
Executive Summary Strongest standing: tier 1 capital ratio outperforms 80% of credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (rank 4 of 20). Widest gap: return on equity trails 50% of credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area (rank 10 of 20). Overall: at or above the peer median on 7 of 7 directional measures. Return on Assets
0.52%
Rank 9 of 20
Net Interest Margin
4.05%
Rank 9 of 20
Efficiency Ratio
81.14%
Rank 9 of 20
Equity / Assets
14.68%
Rank 4 of 20
Metric Your Credit Union Peer 25th Peer Median Peer 75th Standing Rank 8-Qtr Trend Peer Position Earnings Return on Assets 0.52% 0.22% 0.41% 0.84% Beats 55% 9 / 20 Return on Equity 3.57% 1.78% 3.57% 6.45% Beats 50% 10 / 20 Net Interest Margin 4.05% 3.17% 3.67% 4.80% Beats 55% 9 / 20 Efficiency Ratio 81.14% 77.46% 82.82% 89.37% Beats 60% 9 / 20 Asset Quality Nonperforming Loans / Loans 0.42% 0.26% 0.56% 0.65% Beats 60% 9 / 20 Net Charge-Offs / Loans n/a Not reported for this institution Capital Tier 1 Capital Ratio 14.68% 10.54% 11.05% 12.98% Beats 80% 4 / 20 Total Risk-Based Capital Ratio n/a Not reported for this institution Equity / Assets 14.68% 10.54% 11.05% 12.98% Beats 80% 4 / 20 Liquidity & Funding Loans / Deposits 80.88% 54.64% 78.75% 84.99% 55th pctl 9 / 20 Loans / Assets 66.99% 48.81% 63.38% 73.06% 55th pctl 9 / 20 Brokered Deposits / Deposits n/a Not reported for this institution
Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Peer statistics computed across credit unions under $1B in assets in the Miami-Fort Lauderdale-West Palm Beach, FL area; percentile is the share of peers with a lower reported value. Each ratio is ranked only among the institutions that reported it, so the denominator in the Rank column varies by measure. Income-statement figures on this page are year-to-date as filed, annualized, because the peer percentiles are computed on that basis. Performance Trends defaults to the discrete quarter, so the same measure can read differently there in any quarter but the first, where year-to-date and the quarter cover the same period. Peer comparisons use ratios standardized identically across all institutions and can differ from as-filed figures. Subchapter S banks are restated to an after-tax equivalent at 21.50%, the median effective tax rate of the 2,758 C-corporation banks filing for this quarter. The rate is recomputed each quarter, and C-corporation figures are unchanged. Peer groups below the disclosure floor are suppressed.
CallReports · callreports.ai · Peer Comparison Generated 2026-10-11