Guardian Credit Union
Nonprofit profile at a glance
- EIN
- 630421006
- IRS 990 coverage
- 2010–2024
- Official website data refreshed
- Aug 2026
- Forms available
- Form 990 2024
- Location
- Prattville, AL, USA
- Phone
- 3342449999
- Rating confidence
- Limited
Reported finances
- Revenue
- $93,729,120
- Expenses
- $86,394,653
- Assets
- $1,052,558,670
- Liabilities
- $962,171,157
Source: IRS Form 990. Selected filing: tax year 2024. Amounts in USD.
Leadership & pay
19 people listed
Executive titles in this filing
- HEATH HARRELL (CEO)
Highest reported compensation
- HEATH HARRELL (CEO): $722,171 total reported compensation
- DANIEL POST (CFO): $432,233 total reported compensation
- JOSEPH ROBISON (CLO): $340,627 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2024. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
To create an environment that puts people first—supporting local initiatives, fostering personal connections, and promoting financial wellbeing.
What it reported doing in 2024
Alabama banking code, section, 5-17-1, states that a credit union is a cooperative 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. Guardian credit union, an Alabama state-chartered credit union, provides these services to its members who are primarily members/employees and their relatives of the Alabama army and national guard, municipal employees of the city of montgomery, Alabama, and various departments of the state of Alabama. The credit union's field of membership also includes selected employee groups and is open to all individuals who work, worship, attend school or reside in autauga, butler, chilton, coffee, coosa, covington, crenshaw, elmore, lee, lowndes, macon, montgomery, pike, russell, and tallapoosa counties. As of december 31, 2024, the credit union had membership and provided service to approximately 91,552 members.
Operating model
- Revenue model
- Earned-program. 69% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.
Rating breakdown
- Financial Efficiency: NotEnoughData
- Transparency & Controls: 85
- Accountability: 86
- Sustainability: 63
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 90.9%; rating input score 91; 6th percentile among comparable filings
- Pay-setting controls: 5 of 6 controls in place; rating input score 83
- Compensation committee: Pass
- Independent consultant: Missing
- Other Form 990s reviewed: Pass
- Written employment contract: Pass
- Compensation survey or study: Pass
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: 97.4%; rating input score 97; 32nd percentile among comparable filings
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 77th percentile among comparable filings
- Governance controls: 6 of 9 controls in place; rating input score 67
- Conflict-of-interest policy: Fail
- Whistleblower policy: Fail
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 7.8%; rating input score 66; 66th percentile among comparable filings
- Total-asset coverage ratio: 12.18; rating input score 93; 93rd percentile among comparable filings
- Liabilities to assets ratio: 0.91; rating input score 11; 11th percentile among comparable filings
- Officer compensation ratio: 4.1%; rating input score 24; 24th percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: 15.2% per year; rating input score 100; 89th percentile among comparable filings
- Asset growth: 12.6% per year; rating input score 100; 80th percentile among comparable filings
Details
- What they do: 9 programs and campaigns described on the official site · 1 operating location identified
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 7 of 7 board members independent · 6 of 9 filing controls reported
- Programs: 1 filed program accomplishment
- Leadership: top reported pay $722K · 19 people listed · 5 of 6 pay-setting controls reported
- Highest-paid contractors: 5 contractors listed · $3.5M reported
- Consistency: 12 of 13 current checks pass · 1 finding to review
- Schedules: 7 filed schedules · includes grants and executive pay
- Filing history: 14 filing years from 2010 to 2024
- Contacts: How to reach this organization
- Money network: 20 filed money-flow records
- Related organizations: 7 filed related-organization links
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Review — Accountability: Governance controls: 3 of 9 not reported.
- Review — Transparency & Controls: Domestic grant itemization did not reconcile in the filed values.
- High — Sustainability: Liabilities to assets ratio scored 11/100.
- High — Sustainability: Officer compensation ratio scored 24/100.