Credit unions · Alabama · Q2 2026
Guardian CU AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $1.27B |
| Total loans & leases | $971M |
| Total shares & deposits | $1.03B |
| Members | 95,670 |
| Net worth | $121M |
| Net worth / assets | 9.46% |
| Loans / assets | 76.17% |
| Return on assets (annualized) | 1.18% |
| Loan growth (YoY) | 7.31% |
| Member growth (YoY) | 2.89% |
| Delinquency, all loans (60+ days) | 1.45% |
| Charter | State charter (federally insured) |
| Asset band | $1B–$5B |
| NCUA peer group | over $500M |
| Sponsor type | Community (inferred from the name) |
AI readiness
AI Score: 4 of 5 stars, AI embedded in workflows
Guardian Credit Union in Alabama runs Scienaptic's AI credit decisioning platform live, integrated with its Temenos loan origination system, so AI shapes lending decisions inside the underwriting process. It also uses Eltropy's platform in lending, where documents members send are automatically filed to the right loan record.
- Stock Market | FinancialContent Business Page “Scienaptic's AI platform was integrated with Guardian Credit Union's Loan Origination System (LOS), Temenos, resulting in streamlined, AI-enabled lending decisions with greater speed and accuracy”
- Guardian Credit Union Completes Lending in One Conversation with Eltropy's AI-Powered Digital Platform | Alabama STEM News “documents uploaded by members are automatically attached to the correct loan file under the proper document name”