Credit union · NCUA insured
Guardian Credit Union
A $291.2M credit union headquartered in Oak Creek, WI, with 25,140 members and 6 branches in Wisconsin. Best rates: CDs 2.00% and savings 0.70% APY.
Guardian Credit Union Carrot Score
73
Carrot Score
Higher than 34% of U.S. banks and credit unions
#34 of 54 in Milwaukee, WI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Guardian Credit Union
Guardian Credit Union is a member-owned financial institution founded in 1934.
The institution began as a credit provider within the walls of Harnischfeger Corporation.
- Headquarters
- 7801 S Howell Ave, Oak Creek, WI 53154
- NCUA charter
- 66638
Branches
6 branches in Wisconsin
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Wisconsin
6 branches
- Oak Creek OfficeMain office7801 S Howell Ave, Oak Creek, WI 53154Directions
- Menomonee Falls OfficeW186N9559 Bancroft Dr, Menomonee Falls, WI 53051Directions
- South Milwaukee Office1025 Milwaukee Ave, South Milwaukee, WI 53172Directions
- Waukesha Office1501 E Sunset Dr, Waukesha, WI 53189Directions
- West Allis Office11220 W Oklahoma Ave, West Allis, WI 53227Directions
- West Milwaukee Office4501 W Greenfield Ave, West Milwaukee, WI 53214Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.35% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.42% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.51% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $61 | $76 | — |
- CapitalNet worth ratio10.35%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.42%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.51%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$61Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Guardian Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.