GUARDIAN

Charter #66638 | WI

100M-500M (1077 CUs) Micro
27 100M-500M in WI

GUARDIAN has 2 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Net Interest Margin 0.28% above tier average
  • + Share Certificate Concentration (%): Top 4.2% in tier

Key Concerns

Areas that may need attention

  • - Institutional Decline: Bottom 7.1% in tier
  • - Membership Headwinds: Bottom 10.8% in tier
  • - Stagnation Risk: Bottom 16.7% in tier
  • - Efficiency Drag: Bottom 25.2% in tier
  • - Credit Quality Pressure: Bottom 28.2% in tier
  • - Indirect Auto Dependency: Bottom 31.3% in tier
  • - Flatlined Growth: Bottom 42.7% in tier
  • - ROA 0.13% below tier average
  • - Efficiency ratio 3.35% above tier (higher cost structure)
  • - Member decline: -3.8% YoY
  • - Loan Growth Rate: Bottom 9.0% in tier
  • - Deposit Growth Rate: Bottom 9.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Members 25,735
-3.8% YoY-1.0% QoQ
 +10.1K 15,628
-3.4% YoY
 38,719
+8.7% YoY
 33,089
+6.1% YoY
 Top 12.1% in tier
Assets $289.7M
-1.2% YoY-0.7% QoQ
 +$58.4M $231.3M
-0.0% YoY
 $717.4M
+12.8% YoY
 $547.7M
+7.8% YoY
 71st in tier
Loans $168.4M
-6.3% YoY-1.2% QoQ
 +$20.6M $147.8M
-1.4% YoY
 $555.6M
+13.3% YoY
 $388.7M
+8.6% YoY
 67th in tier
Deposits $255.8M
-2.0% YoY-0.9% QoQ
 +$55.5M $200.3M
-0.0% YoY
 $603.1M
+13.2% YoY
 $464.6M
+9.3% YoY
 72nd in tier
ROA 0.7%
+28.1% YoY-5.6% QoQ
 -0.1% 0.8%
+15.5% YoY
 0.7%
-20.1% YoY
 0.7%
+273.4% YoY
 42nd in tier
NIM 3.9%
+6.1% YoY+2.1% QoQ
 +0.3% 3.6%
+6.9% YoY
 3.5%
-0.2% YoY
 3.7%
+5.0% YoY
 66th in tier
Efficiency Ratio 80.6%
-0.6% YoY+1.6% QoQ
 +3.4% 77.3%
-3.0% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 63rd in tier
Delinquency Rate 0.4%
+4.2% YoY-13.5% QoQ
 -0.5 0.9%
+7.6% YoY
 1.0%
+20.8% YoY
 1.2%
-0.9% YoY
 Bottom 24.2% in tier
Loan To Share 65.8%
-4.4% YoY-0.3% QoQ
 -6.9% 72.7%
-1.5% YoY
 80.3%
+0.1% YoY
 68.0%
-1.7% YoY
 32nd in tier
AMR $16,484
+0.0% YoY-0.0% QoQ
 $-8K $24,363
+2.9% YoY
 $22,950
+4.4% YoY
 $19,418
+1.3% YoY
 Bottom 16.0% in tier
CD Concentration 4.6%
-36.5% YoY-11.7% QoQ
 -19.8% 24.4%
+4.2% YoY
 21.1%
+6.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 16.2%
-11.5% YoY-4.5% QoQ
 +2.2% 14.0%
-5.8% YoY
 8.1%
-7.1% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Institutional Decline

decline
#57 of 256 • Bottom 7.1% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $289.72M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -3.82%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -6.35%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank improving

Membership Headwinds

decline
#178 of 550 • Bottom 10.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -3.82%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Stagnation Risk

risk
#276 of 550 • Bottom 16.7% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.65%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -3.82%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $16.5K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 4.64%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY

Efficiency Drag

risk
#445 of 521 • Bottom 25.2% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 80.63%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.14% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -3.82%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Credit Quality Pressure

risk
#698 of 736 • Bottom 28.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.02% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#503 of 525 • Bottom 31.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -1.24%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 16.19%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -3.82%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Flatlined Growth

risk
#45 of 58 • Bottom 42.7% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $289.72M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Asset Growth (YoY): -1.24%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Return on Assets: 0.65%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
58 of 1077 Community CUs have this signature | 82 nationally
↑ Growing +10 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

46
Share Certificate Concentration (%)
balance_sheet
Value: 4.64%
Peer Avg: 23.61%
#46 of 1077 Top 4.2% in 100M-500M tier
114
First Mortgage Concentration (%)
balance_sheet
Value: 8.10%
Peer Avg: 30.43%
#114 of 1077 Top 10.5% in 100M-500M tier
130
Total Members
engagement
Value: 25,735
Peer Avg: 15,628
#130 of 1077 Top 12.0% in 100M-500M tier
262
Total Delinquency Rate (60+ days)
risk
Value: 0.37%
Peer Avg: 0.86%
#262 of 1077 Top 24.2% in 100M-500M tier

Top Weaknesses (7 metrics)

981
Loan Growth Rate
growth
Value: -6.35%
Peer Avg: 3.45%
#981 of 1077 Bottom 9.0% in 100M-500M tier
978
Deposit Growth Rate
growth
Value: -2.03%
Peer Avg: 4.69%
#978 of 1077 Bottom 9.3% in 100M-500M tier
934
Asset Growth Rate
growth
Value: -1.24%
Peer Avg: 4.70%
#934 of 1077 Bottom 13.4% in 100M-500M tier
925
Member Growth Rate
growth
Value: -3.82%
Peer Avg: 0.72%
#925 of 1077 Bottom 14.2% in 100M-500M tier
905
Average Member Relationship (AMR)
engagement
Value: $16,484
Peer Avg: $24,363
#905 of 1077 Bottom 16.1% in 100M-500M tier
878
Loan-to-Member Ratio (LMR)
engagement
Value: $6,544
Peer Avg: $10,245
#878 of 1077 Bottom 18.6% in 100M-500M tier
838
AMR Growth Rate
growth
Value: 0.02%
Peer Avg: 3.64%
#838 of 1077 Bottom 22.3% in 100M-500M tier