Development
Guardian Credit Union
Major Rating Factors:
A current level of 16.7 percent of nonperforming loans to core capital combined with 13.9 percent from a year earlier contributes to the Fair asset quality (4.4). Good current capitalization (5.8 on a scale of 0 to 10) based on a net capital to total assets of 8.2 and a net worth ratio of 8.9.
Other Rating Factors:
Operating profits as a percentage of assets at 2.0%, coupled with a return on assets of 1.1 has resulted in Excellent (9.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Asset Mix:
Consumer loans (55%), home mtgs (19%), other (26%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
418 Madison Avenue
Montgomery, AL 36104
Montgomery, AL 36104
Phone Number
(334) 244-9999
NCUA Charter Number
Website
Largest Competitors
Huntsville, AL
Montgomery, AL
Montgomery, AL
Montgomery, AL
Montgomery, AL