Z — UnclassifiedEIN: 630421006

Guardian Credit Union

Prattville, Alabama

B+Health Score
74B+

Financial Health Score

9-metric score across financial health, operational efficiency, and organizational resilience. Based on IRS Form 990 data.

Good

How This Organization Compares

Compared to 111 peers in Unclassified with $10M-$100M revenue

Working Capital Ratio (net assets ÷ expenses)

This Org1.18×
Peer Median5.86×
💰
$79.8M
Total Revenue
📊
$69.6M
Total Expenses
🏦
$82.4M
Net Assets
📋
$935.8M
Total Liabilities

Financial Trends

5-Year Trend Analysis

Financial Health Indicators

Revenue Growth
+28.5%
Year-over-year change (2022 → 2023)
Net Margin
+12.8%
Revenue minus expenses as % of revenue
Working Capital Ratio
1.18
Net assets divided by total expenses
Liabilities-to-Assets
91.9%
Total liabilities as % of total assets

Filing History

13 filings on record
YearRevenueExpensesAssets
2023$79,832,389↑29%$69,635,277↑34%$1,018,202,202↑18%
2022$62,110,372↑12%$52,025,320↑14%$865,286,128↑13%
2021$55,701,810↑13%$45,563,567↑8%$763,618,487↑10%
2020$49,250,705↑9%$42,328,955↑5%$694,104,820↑21%
2019$45,079,483↑11%$40,276,428↑17%$574,064,768↑18%
2018$40,778,508↑21%$34,453,848↑18%$486,969,411↑8%
2017$33,564,846↑16%$29,234,682↑12%$450,091,651↑20%
2016$28,946,661↑24%$26,196,701↑20%$376,518,549↑12%
2015$23,396,976↑25%$21,756,627↑24%$334,844,813↑13%
2014$18,676,233↑39%$17,616,073↑48%$297,186,422↑18%
2013$13,426,348↑10%$11,925,582↑7%$252,460,153↑10%
2012$12,193,750↑8%$11,186,295↑11%$228,846,971↑7%
2011$11,286,297$10,059,907$214,735,597

Frequently Asked Questions

What does Guardian Credit Union do?▼

Guardian Credit Union is a unclassified nonprofit organization based in Alabama. It is classified under NTEE code Z and is registered as a 501(c) tax-exempt organization with the IRS.

Is Guardian Credit Union financially healthy?▼

Based on our 9-metric Financial Health Score model, Guardian Credit Union has a score of 74/100 (Grade: B+). This score evaluates working capital, surplus consistency, debt ratio, revenue trends, program spending, fundraising efficiency, executive compensation, revenue diversification, and vulnerability indicators.

How much revenue does Guardian Credit Union generate?▼

Guardian Credit Union reports $93.7M in annual revenue and holds $1.1B in total assets, based on IRS filings.

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