2025-12-08T10:27:28-05:00 2024-12-31 202711127 CU AUDIT & COMPLIANCE GROUP 3692 COOLIDGE CT TALLAHASSEE FL 323117890 990 2024-01-01 590947735 GUARDIANS CREDIT UNION GUAR 5616864006 3469 SUMMIT BLVD WEST PALM BEACH FL 33406 STEVE BOSACK PRESIDENT/CEO 5616864006 2025-11-13 true false AMANDA ONKST P02387288 2054372176 2025-11-13 2024 2025-03-06 01:10:19Z STEVE BOSACK 3469 SUMMIT BLVD WEST PALM BEACH FL 33406 20788475 false X WWW.GUARDIANSCU.COOP X CREDIT UNION 1953 FL CREDIT UNION - TO PROVIDE FINANCIAL SERVICES FOR ITS MEMBERS. 6 6 125 10 0 0 13820125 15427843 1541215 2126868 3929633 3233764 19290973 20788475 0 0 4695569 5819606 0 0 11053494 11364786 15749063 17184392 3541910 3604083 288582486 302581677 246341621 256736729 42240865 45844948 CREDIT UNION - TO PROVIDE SERVICES TO APPROXIMATELY 36,730 MEMBERS IN THE FORM OF LOANS, SAVINGS, AND OTHER FINANCIAL SERVICES. false false 15724818 THE CREDIT UNION PORVIDED A VARIETY OF LOAN SERVICES FOR ITS MEMBERS. 1459574 THE CREDIT UNION PROVIDED A VARIETY OF DEPOSIT SERVICES FOR ITS MEMBERS. 17184392 false false false false false false false false false true false false false true false true false false false false false false false false false false false false true false false false false false false false false false false false false false false true X 5710 0 true 125 true false false false false false false false false X 6 6 false false false false true true true true true false true true false true true true true true true true false FL X STEVE BOSACK 5616864006 3469 SUMMIT BLVD WEST PALM BEACH FL 33406 STEVE BOSACK PRESIDENT/CE 40.00 X 321000 0 321837 DEANNA FRAME EVP 40.00 X 235853 0 214818 JOSE ALICEA COO 40.00 X 186011 0 167021 LAURA WILLS CFO 40.00 X 157386 0 147655 LISA OLIVER CHIEF ADMIN 40.00 X 167630 0 153192 SHERI HARRIS AVP BRANCH S 40.00 X 107239 0 106810 MICHELE NICHOLS CLO 40.00 X 172975 0 27494 WILLIAM CALVERT CLO 40.00 X 149838 0 94992 1497932 1233819 8 true true false INTEREST ON LOANS 522291 11956629 11956629 FEE INCOME 522100 3471214 3471214 15427843 2126868 2126868 OTHER OPERATING INCOME 525990 2404482 2404482 OTHER NON-INTEREST INCOME 525990 829282 829282 3233764 20788475 20788475 4652854 4652854 158721 158721 408124 408124 599907 599907 5401518 5401518 703492 703492 169377 169377 1459574 1459574 PROVISION FOR LOAN LOSS 1962144 1962144 LOAN SERVICING EXP 672528 672528 EDUCATIONAL & PROMO EXP 455276 455276 PROF & OUTSIDE SERVICES 250416 250416 290461 290461 17184392 0 17184392 0 32918989 61325849 7470000 8715000 224676215 215629667 8412981 1593146 22171605 10654740 11173324 11516865 877575 906050 3053402 2895100 288582486 302581677 1946698 2395985 244394923 254340744 246341621 256736729 X 2006468 40234397 45844948 42240865 45844948 288582486 302581677 3604083 X false false 5793623 5793623 6708045 2569638 4138407 9195611 8085102 1110509 474326 474326 11516865 REGULAR SHARES 115543043 ALL OTHER SHARES 72279297 SHARE DRAFTS 66518404 254340744 20788475 20788475 20788475 17184392 17184392 17184392 false false false STEVE BOSACK PRESIDENT/CEO 300000 21000 321837 642837 DEANNA FRAME EVP 220423 15430 214818 450671 JOSE ALICEA COO 173842 12169 167021 353032 LAURA WILLS CFO 147090 10296 147655 305041 LISA OLIVER CHIEF ADMIN OFFICER 156664 10966 153192 320822 SHERI HARRIS AVP BRANCH SERVICES 100223 7016 106810 214049 MICHELE NICHOLS CLO 170000 2975 27494 200469 WILLIAM CALVERT CLO 149838 94992 244830 FORM 990, PAGE 1, PART I, LINE 6 HOURS OF SERVICE ARE RELATED TO DUTIES OF THE BOARD OF DIRECTORS, AUDIT COMMITTEE, GOVERNMENTAL AFFAIRS COMMITTEE WITHOUT COMPENSATION. FORM 990, PAGE 5, PART V, LINE 3B THE CREDIT UNION DID NOT HAVE ANY UNRELATED BUSINESS INCOME. FORM 990, PAGE 6, PART VI, LINE 6 THE CREDIT UNION IS OWNED BY THE MEMBERS. FORM 990, PAGE 6, PART VI, LINE 7A THE BOARD OF DIRECTORS IS ELECTED BY THE MEMBERSHIP (ONE MEMBER, ONE VOTE). ALL DUTIES, POWERS, AND RESPONSIBILITIES ARE CONTROLLED BY THE BOARD OF DIRECTORS. THE MEMBERS ELECT THE BOARD OF DIRECTORS AT THE ANNUAL MEETING EVERY YEAR. FORM 990, PAGE 6, PART VI, LINE 7B SOME DECISIONS MADE BY THE BOARD OF DIRECTORS ARE AFFIRMED BY THE MEMBERS. FORM 990, PAGE 6, PART VI, LINE 11B THE CEO REVIEWS THE FORM 990. THE FORM 990 IS AVAILABLE FOR REVIEW BY THE BOARD OF DIRECTORS UPON REQUEST. FORM 990, PAGE 6, PART VI, LINE 12C THE BOARD OF DIRECTORS MONITOR AND ENFORCE THE CONFLICT OF INTEREST POLICY. FORM 990, PAGE 6, PART VI, LINE 15A THE CUES SURVEY IS USED FOR THE DETERMINATION OF COMPENSATION FOR THE CEO. FORM 990, PAGE 6, PART VI, LINE 15B THE CUES SURVEY IS USED FOR THE DETERMINATION OF TOP MANAGEMENT OFFICIALS. FORM 990, PAGE 6, PART VI, LINE 19 FINANCIAL DOCUMENTS ARE POSTED IN THE CREDIT UNION LOBBY BY THE 15TH OF THE SUBSEQUENT MONTH.