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Employer Identification Number 63-0421006

GUARDIAN CREDIT UNION is a USA domiciled entity or foreign entity operating in the USA. The EIN ihas been issued by the IRS

Company Name:GUARDIAN CREDIT UNION
Employer identification number (EIN):63-0421006
EIN Issuing AuthorityPhiladelphia, PA
NAIC Classification:522130
NAIC Description:Credit Unions
401k Pension/Benefits registration GUARDIAN CREDIT UNION 401k plan information
Federal tax statusExempt from federal income tax. Registered as a non-profit under 501(c)(3) Title 26 of the United States Code

Organization Overview

Mission StatementCOOPERATIVE SOCIETY INCORPORATED FOR THE TWO-FOLD PURPOSE OF PROMOTING THRIFT AMONG ITS MEMBERS AND CREATING A SOURCE OF CREDIT FOR THEM AT LEGITIMATE RATES OF INTEREST.
Number of Employees223
Number of Volunteers12
Year Formed1958

Organization Governance

Legal DomicileAL
Voting Members - Governing Body9
Voting Members - Independent9

Organization Financials

2024-12-31
Total unrelated business incomeUSD $ 1,070,339
Net unrelated business incomeUSD $ 0
Program Service Revenue from prior yearUSD $ 54,163,869
Program Service Revenue from current yearUSD $ 65,056,150
Investment Income from prior yearUSD $ 2,716,089
Investment Income from current yearUSD $ 3,654,928
Other Revenue from prior yearUSD $ 22,952,431
Other Revenue from current yearUSD $ 25,018,042
Gross receipts from all sourcesUSD $ 106,670,668
Net assets / fund balances at end of fiscal yearUSD $ 90,387,513
Net assets / fund balances at beginning of fiscal yearUSD $ 82,356,904
Total liabilities at end of fiscal yearUSD $ 962,171,157
Total liabilities at beginning of fiscal yearUSD $ 935,845,298
Total assets at end of fiscal yearUSD $ 1,052,558,670
Total assets at beginning of fiscal yearUSD $ 1,018,202,202
Revenues less expenses for current yearUSD $ 7,334,467
Revenues less expenses for previous yearUSD $ 10,197,112
Total expenses for current yearUSD $ 86,394,653
Total expenses for previous yearUSD $ 69,635,277
Other expenses in current yearUSD $ 61,362,740
Other expenses in previous yearUSD $ 46,694,391
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 24,642,213
Employee salary and benefits paid in previous yearUSD $ 22,608,066
Benefits paid to or for members in current yearUSD $ 0
Benefits paid to or for members in previous yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 389,700
Grants and similar amounts paid in previous yearUSD $ 332,820
Total revenue in current fiscal yearUSD $ 93,729,120
Total revenue in previous fiscal yearUSD $ 79,832,389
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
Total of other revenueUSD $ 25,018,042
2023-12-31
Total unrelated business incomeUSD $ 868,140
Net unrelated business incomeUSD $ 0
Program Service Revenue from prior yearUSD $ 41,727,734
Program Service Revenue from current yearUSD $ 54,163,869
Investment Income from prior yearUSD $ 2,545,866
Investment Income from current yearUSD $ 2,716,089
Other Revenue from prior yearUSD $ 17,836,772
Other Revenue from current yearUSD $ 22,952,431
Gross receipts from all sourcesUSD $ 79,832,389
Net assets / fund balances at end of fiscal yearUSD $ 82,356,904
Net assets / fund balances at beginning of fiscal yearUSD $ 71,146,042
Total liabilities at end of fiscal yearUSD $ 935,845,298
Total liabilities at beginning of fiscal yearUSD $ 794,140,086
Total assets at end of fiscal yearUSD $ 1,018,202,202
Total assets at beginning of fiscal yearUSD $ 865,286,128
Revenues less expenses for current yearUSD $ 10,197,112
Revenues less expenses for previous yearUSD $ 10,085,052
Total expenses for current yearUSD $ 69,635,277
Total expenses for previous yearUSD $ 52,025,320
Other expenses in current yearUSD $ 46,694,391
Other expenses in previous yearUSD $ 31,091,534
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 22,608,066
Employee salary and benefits paid in previous yearUSD $ 20,678,786
Benefits paid to or for members in current yearUSD $ 0
Benefits paid to or for members in previous yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 332,820
Grants and similar amounts paid in previous yearUSD $ 255,000
Total revenue in current fiscal yearUSD $ 79,832,389
Total revenue in previous fiscal yearUSD $ 62,110,372
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
Total of other revenueUSD $ 22,952,431
2022-12-31
Total unrelated business incomeUSD $ 798,867
Net unrelated business incomeUSD $ 0
Program Service Revenue from prior yearUSD $ 35,801,610
Program Service Revenue from current yearUSD $ 41,727,734
Investment Income from prior yearUSD $ 1,724,889
Investment Income from current yearUSD $ 2,545,866
Other Revenue from prior yearUSD $ 18,175,311
Other Revenue from current yearUSD $ 17,836,772
Gross receipts from all sourcesUSD $ 99,868,768
Net assets / fund balances at end of fiscal yearUSD $ 71,146,042
Net assets / fund balances at beginning of fiscal yearUSD $ 69,330,469
Total liabilities at end of fiscal yearUSD $ 794,140,086
Total liabilities at beginning of fiscal yearUSD $ 694,288,018
Total assets at end of fiscal yearUSD $ 865,286,128
Total assets at beginning of fiscal yearUSD $ 763,618,487
Revenues less expenses for current yearUSD $ 10,085,052
Revenues less expenses for previous yearUSD $ 10,138,243
Total expenses for current yearUSD $ 52,025,320
Total expenses for previous yearUSD $ 45,563,567
Other expenses in current yearUSD $ 31,091,534
Other expenses in previous yearUSD $ 26,541,033
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 20,678,786
Employee salary and benefits paid in previous yearUSD $ 18,717,534
Benefits paid to or for members in current yearUSD $ 0
Benefits paid to or for members in previous yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 255,000
Grants and similar amounts paid in previous yearUSD $ 305,000
Total revenue in current fiscal yearUSD $ 62,110,372
Total revenue in previous fiscal yearUSD $ 55,701,810
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
Total of other revenueUSD $ 17,836,772
2021-12-31
Total unrelated business incomeUSD $ 596,826
Net unrelated business incomeUSD $ 894
Program Service Revenue from prior yearUSD $ 32,404,120
Program Service Revenue from current yearUSD $ 35,801,610
Investment Income from prior yearUSD $ 1,578,297
Investment Income from current yearUSD $ 1,724,889
Other Revenue from prior yearUSD $ 15,268,288
Other Revenue from current yearUSD $ 18,175,311
Gross receipts from all sourcesUSD $ 80,408,278
Net assets / fund balances at end of fiscal yearUSD $ 69,330,469
Net assets / fund balances at beginning of fiscal yearUSD $ 59,881,444
Total liabilities at end of fiscal yearUSD $ 694,288,018
Total liabilities at beginning of fiscal yearUSD $ 634,223,376
Total assets at end of fiscal yearUSD $ 763,618,487
Total assets at beginning of fiscal yearUSD $ 694,104,820
Revenues less expenses for current yearUSD $ 10,138,243
Revenues less expenses for previous yearUSD $ 6,921,750
Total expenses for current yearUSD $ 45,563,567
Total expenses for previous yearUSD $ 42,328,955
Other expenses in current yearUSD $ 26,541,033
Other expenses in previous yearUSD $ 25,245,468
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 18,717,534
Employee salary and benefits paid in previous yearUSD $ 16,993,487
Benefits paid to or for members in current yearUSD $ 0
Benefits paid to or for members in previous yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 305,000
Grants and similar amounts paid in previous yearUSD $ 90,000
Total revenue in current fiscal yearUSD $ 55,701,810
Total revenue in previous fiscal yearUSD $ 49,250,705
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
Total of other revenueUSD $ 18,175,311
2020-12-31
Total unrelated business incomeUSD $ 430,741
Net unrelated business incomeUSD $ 0
Program Service Revenue from prior yearUSD $ 28,634,489
Program Service Revenue from current yearUSD $ 32,404,120
Investment Income from prior yearUSD $ 1,127,448
Investment Income from current yearUSD $ 1,578,297
Other Revenue from prior yearUSD $ 15,317,546
Other Revenue from current yearUSD $ 15,268,288
Gross receipts from all sourcesUSD $ 61,792,114
Net assets / fund balances at end of fiscal yearUSD $ 59,881,444
Net assets / fund balances at beginning of fiscal yearUSD $ 51,813,901
Total liabilities at end of fiscal yearUSD $ 634,223,376
Total liabilities at beginning of fiscal yearUSD $ 522,250,867
Total assets at end of fiscal yearUSD $ 694,104,820
Total assets at beginning of fiscal yearUSD $ 574,064,768
Revenues less expenses for current yearUSD $ 6,921,750
Revenues less expenses for previous yearUSD $ 4,803,055
Total expenses for current yearUSD $ 42,328,955
Total expenses for previous yearUSD $ 40,276,428
Other expenses in current yearUSD $ 25,245,468
Other expenses in previous yearUSD $ 24,859,778
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 16,993,487
Employee salary and benefits paid in previous yearUSD $ 15,385,650
Benefits paid to or for members in current yearUSD $ 0
Benefits paid to or for members in previous yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 90,000
Grants and similar amounts paid in previous yearUSD $ 31,000
Total revenue in current fiscal yearUSD $ 49,250,705
Total revenue in previous fiscal yearUSD $ 45,079,483
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
Total of other revenueUSD $ 15,268,288
2019-12-31
Total unrelated business incomeUSD $ 259,287
Net unrelated business incomeUSD $ 0
Program Service Revenue from prior yearUSD $ 25,056,821
Program Service Revenue from current yearUSD $ 28,634,489
Investment Income from prior yearUSD $ 1,106,635
Investment Income from current yearUSD $ 1,127,448
Other Revenue from prior yearUSD $ 14,615,052
Other Revenue from current yearUSD $ 15,317,546
Gross receipts from all sourcesUSD $ 45,079,483
Net assets / fund balances at end of fiscal yearUSD $ 51,813,901
Net assets / fund balances at beginning of fiscal yearUSD $ 47,001,179
Total liabilities at end of fiscal yearUSD $ 522,250,867
Total liabilities at beginning of fiscal yearUSD $ 439,968,232
Total assets at end of fiscal yearUSD $ 574,064,768
Total assets at beginning of fiscal yearUSD $ 486,969,411
Revenues less expenses for current yearUSD $ 4,803,055
Revenues less expenses for previous yearUSD $ 6,324,660
Total expenses for current yearUSD $ 40,276,428
Total expenses for previous yearUSD $ 34,453,848
Other expenses in current yearUSD $ 24,859,778
Other expenses in previous yearUSD $ 21,203,810
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 15,385,650
Employee salary and benefits paid in previous yearUSD $ 13,205,038
Benefits paid to or for members in current yearUSD $ 0
Benefits paid to or for members in previous yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 31,000
Grants and similar amounts paid in previous yearUSD $ 45,000
Total revenue in current fiscal yearUSD $ 45,079,483
Total revenue in previous fiscal yearUSD $ 40,778,508
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
Total of other revenueUSD $ 15,317,546
2018-12-31
Total unrelated business incomeUSD $ 295,619
Net unrelated business incomeUSD $ 23,849
Program Service Revenue from prior yearUSD $ 20,083,177
Program Service Revenue from current yearUSD $ 25,056,821
Investment Income from prior yearUSD $ 1,076,000
Investment Income from current yearUSD $ 1,106,635
Other Revenue from prior yearUSD $ 12,405,669
Other Revenue from current yearUSD $ 14,615,052
Gross receipts from all sourcesUSD $ 63,161,014
Net assets / fund balances at end of fiscal yearUSD $ 47,001,179
Net assets / fund balances at beginning of fiscal yearUSD $ 41,152,841
Total liabilities at end of fiscal yearUSD $ 439,968,232
Total liabilities at beginning of fiscal yearUSD $ 408,938,810
Total assets at end of fiscal yearUSD $ 486,969,411
Total assets at beginning of fiscal yearUSD $ 450,091,651
Revenues less expenses for current yearUSD $ 6,324,660
Revenues less expenses for previous yearUSD $ 4,330,164
Total expenses for current yearUSD $ 34,453,848
Total expenses for previous yearUSD $ 29,234,682
Other expenses in current yearUSD $ 21,203,810
Other expenses in previous yearUSD $ 18,413,444
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Professional fundraising fees from previous yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 13,205,038
Employee salary and benefits paid in previous yearUSD $ 10,796,238
Benefits paid to or for members in current yearUSD $ 0
Benefits paid to or for members in previous yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 45,000
Grants and similar amounts paid in previous yearUSD $ 25,000
Total revenue in current fiscal yearUSD $ 40,778,508
Total revenue in previous fiscal yearUSD $ 33,564,846
Contributions and grants from current yearUSD $ 0
Contributions and grants from previous yearUSD $ 0
Total of other revenueUSD $ 14,615,052
2017-12-31
Total unrelated business incomeUSD $ 253,018
Net unrelated business incomeUSD $ 13,728
Program Service Revenue from prior yearUSD $ 17,255,203
Program Service Revenue from current yearUSD $ 20,083,177
Investment Income from prior yearUSD $ 991,530
Investment Income from current yearUSD $ 1,076,000
Other Revenue from prior yearUSD $ 10,699,928
Other Revenue from current yearUSD $ 12,405,669
Gross receipts from all sourcesUSD $ 33,564,846
Net assets / fund balances at end of fiscal yearUSD $ 41,152,841
Net assets / fund balances at beginning of fiscal yearUSD $ 36,193,247
Total liabilities at end of fiscal yearUSD $ 408,938,810
Total liabilities at beginning of fiscal yearUSD $ 340,325,302
Total assets at end of fiscal yearUSD $ 450,091,651
Total assets at beginning of fiscal yearUSD $ 376,518,549
Revenues less expenses for current yearUSD $ 4,330,164
Revenues less expenses for previous yearUSD $ 2,749,960
Total expenses for current yearUSD $ 29,234,682
Total expenses for previous yearUSD $ 26,196,701
Other expenses in current yearUSD $ 18,413,444
Other expenses in previous yearUSD $ 16,629,993
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 10,796,238
Employee salary and benefits paid in previous yearUSD $ 9,541,708
Benefits paid to or for members in current yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 25,000
Grants and similar amounts paid in previous yearUSD $ 25,000
Total revenue in current fiscal yearUSD $ 33,564,846
Total revenue in previous fiscal yearUSD $ 28,946,661
Contributions and grants from current yearUSD $ 0
Total of other revenueUSD $ 12,405,669
2016-12-31
Total unrelated business incomeUSD $ 173,865
Program Service Revenue from prior yearUSD $ 14,409,735
Program Service Revenue from current yearUSD $ 17,255,203
Investment Income from prior yearUSD $ 960,490
Investment Income from current yearUSD $ 991,530
Other Revenue from prior yearUSD $ 8,026,751
Other Revenue from current yearUSD $ 10,699,928
Gross receipts from all sourcesUSD $ 28,946,661
Net assets / fund balances at end of fiscal yearUSD $ 36,193,247
Net assets / fund balances at beginning of fiscal yearUSD $ 33,650,035
Total liabilities at end of fiscal yearUSD $ 340,325,302
Total liabilities at beginning of fiscal yearUSD $ 301,194,778
Total assets at end of fiscal yearUSD $ 376,518,549
Total assets at beginning of fiscal yearUSD $ 334,844,813
Revenues less expenses for current yearUSD $ 2,749,960
Revenues less expenses for previous yearUSD $ 1,640,349
Total expenses for current yearUSD $ 26,196,701
Total expenses for previous yearUSD $ 21,756,627
Other expenses in current yearUSD $ 16,629,993
Other expenses in previous yearUSD $ 13,825,699
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 9,541,708
Employee salary and benefits paid in previous yearUSD $ 7,913,428
Benefits paid to or for members in current yearUSD $ 0
Grants and similar amounts paid in current yearUSD $ 25,000
Grants and similar amounts paid in previous yearUSD $ 17,500
Total revenue in current fiscal yearUSD $ 28,946,661
Total revenue in previous fiscal yearUSD $ 23,396,976
Contributions and grants from current yearUSD $ 0
Total of other revenueUSD $ 10,699,928
2015-12-31
Total unrelated business incomeUSD $ 151,075
Net unrelated business incomeUSD $ 150,075
Program Service Revenue from prior yearUSD $ 11,169,419
Program Service Revenue from current yearUSD $ 14,409,735
Investment Income from prior yearUSD $ 1,205,103
Investment Income from current yearUSD $ 960,490
Other Revenue from prior yearUSD $ 6,301,711
Other Revenue from current yearUSD $ 8,026,751
Gross receipts from all sourcesUSD $ 23,770,049
Net assets / fund balances at end of fiscal yearUSD $ 33,650,035
Net assets / fund balances at beginning of fiscal yearUSD $ 32,658,789
Total liabilities at end of fiscal yearUSD $ 301,194,778
Total liabilities at beginning of fiscal yearUSD $ 264,527,632
Total assets at end of fiscal yearUSD $ 334,844,813
Total assets at beginning of fiscal yearUSD $ 297,186,421
Revenues less expenses for current yearUSD $ 1,640,349
Revenues less expenses for previous yearUSD $ 1,060,160
Total expenses for current yearUSD $ 21,756,627
Total expenses for previous yearUSD $ 17,616,073
Other expenses in current yearUSD $ 13,825,699
Other expenses in previous yearUSD $ 11,279,027
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 7,913,428
Employee salary and benefits paid in previous yearUSD $ 5,734,007
Benefits paid to or for members in current yearUSD $ 0
Benefits paid to or for members in previous yearUSD $ 585,539
Grants and similar amounts paid in current yearUSD $ 17,500
Grants and similar amounts paid in previous yearUSD $ 17,500
Total revenue in current fiscal yearUSD $ 23,396,976
Total revenue in previous fiscal yearUSD $ 18,676,233
Contributions and grants from current yearUSD $ 0
Total of other revenueUSD $ 8,026,751
2014-12-31
Total unrelated business incomeUSD $ 121,348
Net unrelated business incomeUSD $ 120,348
Program Service Revenue from prior yearUSD $ 7,275,026
Program Service Revenue from current yearUSD $ 11,169,419
Investment Income from prior yearUSD $ 1,526,437
Investment Income from current yearUSD $ 1,205,103
Other Revenue from prior yearUSD $ 4,624,885
Other Revenue from current yearUSD $ 6,301,711
Gross receipts from all sourcesUSD $ 33,873,514
Net assets / fund balances at end of fiscal yearUSD $ 32,658,789
Net assets / fund balances at beginning of fiscal yearUSD $ 31,019,026
Total liabilities at end of fiscal yearUSD $ 264,527,632
Total liabilities at beginning of fiscal yearUSD $ 221,441,127
Total assets at end of fiscal yearUSD $ 297,186,421
Total assets at beginning of fiscal yearUSD $ 252,460,153
Revenues less expenses for current yearUSD $ 1,060,160
Revenues less expenses for previous yearUSD $ 1,500,766
Total expenses for current yearUSD $ 17,616,073
Total expenses for previous yearUSD $ 11,925,582
Other expenses in current yearUSD $ 11,279,027
Other expenses in previous yearUSD $ 7,125,473
Total fundraising expenses in current yearUSD $ 0
Professional fundraising fees from current yearUSD $ 0
Employee salary and benefits paid in current yearUSD $ 5,734,007
Employee salary and benefits paid in previous yearUSD $ 4,782,609
Benefits paid to or for members in current yearUSD $ 585,539
Grants and similar amounts paid in current yearUSD $ 17,500
Grants and similar amounts paid in previous yearUSD $ 17,500
Total revenue in current fiscal yearUSD $ 18,676,233
Total revenue in previous fiscal yearUSD $ 13,426,348
Contributions and grants from current yearUSD $ 0
Total of other revenueUSD $ 6,301,711

Organization Addresses

The following addresses have been detected as associated with Tax Indentification Number 630421006

USA Location Address
1789 CONG W L DICKINSON DR
MONTGOMERY
AL
36109
Date first seen: 2007-01-01
Date last seen: 2025-12-31
USA Location Address
PO BOX 3199
MONTGOMERY
AL
361090199
Date first seen: 2013-12-17
Date last seen: 2013-12-17
USA Mailing Address
418 MADISON AVE
MONTGOMERY
AL
36104
Date first seen: 2007-01-01
Date last seen: 2026-01-31
USA Location Address
418 MADISON AVE
MONTGOMERY
AL
36104
Date first seen: 2007-01-01
Date last seen: 2026-01-31
USA Mailing Address
418 MADISON AVENUE
MONTGOMERY
AL
36104
Date first seen: 2007-01-01
Date last seen: 2026-06-19
401k Sponsor USA Address
418 MADISON AVE
MONTGOMERY
AL
36104
Date first seen: 2007-01-01
Date last seen: 2026-01-31
USA Mailing Address
1 GUARDIAN WAY
PRATTVILLE
AL
36066
Date first seen: 2008-10-01
Date last seen: 2025-12-31
401k Sponsor USA Address
1 GUARDIAN WAY
PRATTVILLE
AL
36066
Date first seen: 2026-02-13
Date last seen: 2026-02-13

Nearby companies/organizations

The following companies are located in the same ZIP code areas:

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