Guardian Credit Union (EIN 390334442) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1934

Legal Domicile

Phone

4145467450

Tax Period

2023-01-01 to 2023-12-31

Guardian Credit Union, founded in 1934, is a mid-sized nonprofit that reported $16.9M in total revenue in fiscal year 2023. Revenue surged 25% from the prior year, signaling strong growth momentum. The organization ran a surplus of $2.7M, a strong 16% operating margin.

Mission

GUARDIAN CREDIT UNION IS A NOT-FOR-PROFIT MEMBER OWNED FINANCIAL COOPERATIVE DEDICATED TO BEING THE MEMBER'S PRIMARY FINANCIAL INSTITUTION BY PROVIDING SUPERIOR SERVICES.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $15,309,078

Investment Income $1,581,986

Other Revenue $0

TOTAL REVENUE $16,891,064

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,442,458

Fundraising Expenses $0

Program Expenses $0

Other Expenses $6,696,572

TOTAL EXPENSES $14,142,164

Year-over-Year Comparison

	2023	2022	Change
Revenue	$16,891,064	$13,498,485	+0.3%
Expenses	$14,142,164	$11,833,729	+0.2%
Net Income	$2,748,900	$1,664,756	+0.7%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

115

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$288,976

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
N/A	SECRETARY	1.0	Officer Director	$0	$0	$0
N/A	BOARD VICECHAIRMAN	1.0	Officer Director	$0	$0	$0
N/A	BOARD CHAIRMAN	2.0	Officer Director	$0	$0	$0
N/A	DIRECTOR	1.0	Director	$0	$0	$0
N/A	DIRECTOR	1.0	Director	$0	$0	$0
N/A	DIRECTOR	1.0	Director	$0	$0	$0
N/A	DIRECTOR	1.0	Director	$0	$0	$0
N/A	CEO/BOARD TREASURER	40.0	Officer	$265,226	$23,750	$288,976
N/A	CHIEF CREDIT OFFICER	40.0	Highest	$134,271	$18,260	$152,531
N/A	CHIEF ACCOUNTING OFFICER	40.0	Highest	$131,865	$11,923	$143,788
N/A	CHIEF ADMINISTRATION OFFICER	40.0	Highest	$133,393	$12,390	$145,783
N/A	VP OF INFORMATION TECHNOLOGY	40.0	Highest	$108,657	$24,696	$133,353
N/A	SENIOR VICE PRESIDENT	40.0	Highest	$143,598	$27,855	$171,453

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2024	No data	No data	No data	No data
2023	$16,891,064	$14,142,164	$288,595,168	$2,748,900
2022	$13,498,485	$11,833,729	$299,131,621	$1,664,756
2021	$12,852,827	$11,426,661	$291,729,738	$1,426,166
2020	$12,472,112	$10,752,439	$258,616,027	$1,719,673
2019	$12,475,827	$11,347,405	$220,222,269	$1,128,422
2018	$12,999,926	$12,045,047	$218,385,051	$954,879

Guardian Credit Union