Nonprofit · EIN 63-0421006
GUARDIAN CREDIT UNION
Tax-exempt · PRATTVILLE, AL 36066
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| December 31, 2024 | 990 | $93,729,120 | $86,394,653 | $7,334,467 | $1,052,558,670 | $962,171,157 | $90,387,513 |
| December 31, 2023 | 990 | $79,832,389 | $69,635,277 | $10,197,112 | $1,018,202,202 | $935,845,298 | $82,356,904 |
Financial details: 990 for the year ended December 31, 2024
Revenue
- Contributions, gifts and grants
- $0
- Program service revenue
- $65,056,150
- Investment income
- $3,654,928
- Net gain from sales of assets
- $35,062
- Other revenue
- $25,018,042
Expenses
- Grants and similar amounts paid
- $389,700
- Compensation of officers, directors and key employees
- $2,636,390
- Other salaries and wages
- $17,084,820
- Salaries, compensation and benefits (total)
- $24,642,213
- Professional fundraising fees
- $0
- Legal fees
- $70,148
- Accounting fees
- $125,265
- Occupancy
- $1,043,951
- Travel
- $192,212
- Depreciation
- $1,051,604
Balance sheet and other
- Total assets, start of year
- $1,018,202,202
- Total assets, end of year
- $1,052,558,670
- Total liabilities, end of year
- $962,171,157
- Net assets, end of year
- $90,387,513
- Land, buildings and equipment
- $46,875,292
- Publicly traded securities
- $61,466,275
- Gross unrelated business income
- $1,070,339
- Gross receipts
- $106,670,668
- Employees
- 318
- Volunteers
- 10
- Year formed
- 1958
- State of legal domicile
- AL
From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.
Officers, directors and key employees
As listed on the 990 for the year ended December 31, 2024, highest compensation first.
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| HEATH HARRELL | CEO Officer | 50 | $612,682 | $109,489 |
| DANIEL POST | CFO Officer | 45 | $370,792 | $61,441 |
| JOSEPH ROBISON | CLO Officer | 45 | $254,715 | $85,912 |
| GREG GRAY | CSO Officer | 45 | $269,048 | $53,500 |
| SCOTT ROSEN | CTO Officer | 45 | $233,844 | $83,305 |
| RACHEL STEWART | CXO Officer | 45 | $202,733 | $54,528 |
| MELODIE WRIGHT | VP BRANCH OPERATIONS Officer | 45 | $191,883 | $52,518 |
| J LINDSEY MCDONALD | VP HUMAN RESOURCES Highest-paid employee | 45 | $187,678 | $37,577 |
| JASON SHANKS | VP BI Highest-paid employee | 45 | $168,692 | $39,338 |
| BLAKE CARTER | HOME LOANS OPERATIONS MANA Highest-paid employee | 45 | $139,684 | $28,735 |
| TOREY HATFIELD | VP GUARDIAN INSURANCE SERVICES Highest-paid employee | 45 | $139,059 | $26,887 |
| RHONDA BLANCHETTE | REGIONAL AVP BRANCHES Highest-paid employee | 45 | $137,035 | $28,499 |
| SCOTT KRAMER | CHAIRMAN Trustee or director, Officer | 1 | $0 | $0 |
| THERMAN DENNIS | VICE CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| RICK RONEY | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
4 more people on this return
| Name | Title | Hours / week | Compensation |
|---|---|---|---|
| JAMES HENRY | SECRETARY Trustee or director, Officer | 1 | $0 |
| MICHAEL BELCHER | DIRECTOR Trustee or director | 1 | $0 |
| PAM NEWMAN | DIRECTOR Trustee or director | 1 | $0 |
| GRETA WILLIAMS | DIRECTOR Trustee or director | 1 | $0 |
990 for the year ended December 31, 2023: 19 people
| Name | Title | Hours / week | Compensation | Other / benefits |
|---|---|---|---|---|
| HEATH HARRELL | CEO Officer | 50 | $574,235 | $107,985 |
| DANIEL POST | CFO Officer | 45 | $236,399 | $90,662 |
| JOSEPH ROBISON | CLO Officer | 45 | $239,499 | $83,790 |
| SCOTT ROSEN | CTO Officer | 45 | $214,421 | $80,783 |
| NIKITA MCCLAIN | CCO Officer | 45 | $238,791 | $44,295 |
| RACHEL STEWART | CXP Officer | 45 | $184,297 | $52,146 |
| J LINDSEY MCDONALD | VP HUMAN RESOURCES Highest-paid employee | 45 | $179,241 | $52,037 |
| BECKY LEE | VP RISK Highest-paid employee | 45 | $139,564 | $59,934 |
| MELODIE WRIGHT | VP BRANCH OPERATIONS Highest-paid employee | 45 | $155,470 | $30,908 |
| BLAKE CARTER | HOME LOANS OPERATIONS MANAGER Highest-paid employee | 45 | $136,914 | $27,934 |
| JEREMI SCOGGINS | AVP DEVELOPMENT Highest-paid employee | 45 | $136,707 | $28,107 |
| GREG GRAY | CSO Officer | 45 | $35,405 | $0 |
| SCOTT KRAMER | CHAIRMAN Trustee or director, Officer | 1 | $0 | $0 |
| THERMAN DENNIS | VICE CHAIR Trustee or director, Officer | 1 | $0 | $0 |
| RICK RONEY | TREASURER Trustee or director, Officer | 1 | $0 | $0 |
| JAMES HENRY | SECRETARY Trustee or director, Officer | 1 | $0 | $0 |
| MICHAEL BELCHER | DIRECTOR Trustee or director | 1 | $0 | $0 |
| GRETA WILLIAMS | DIRECTOR Trustee or director | 1 | $0 | $0 |
| PAM NEWMAN | DIRECTOR Trustee or director | 1 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 1 GUARDIAN WAY, PRATTVILLE, AL 36066-6615
- In care of
- % DAN POST
- Principal officer (990 for 2024)
- HEATH HARRELL, 1 GUARDIAN WAY, PRATTVILLE, AL 36066
- Signed the 990
- HEATH HARRELL, CEO
- Phone
- (334) 244-9999
- Website
- WWW.MYGUARDIANCU.COM
- Return prepared by
- WARREN AVERETT LLC
Mission
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.
Program accomplishments
- 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.
What it must file and when
IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | December 31, 2025 | May 15, 2026 | Not on file |
| 2024 | December 31, 2024 | May 15, 2025 | 990 on file |
| 2023 | December 31, 2023 | May 15, 2024 | 990 on file |
IRS record
- EIN
- 63-0421006
- Tax-exempt status
- 501(c)(14): State-chartered credit union
- Donations deductible
- No
- Exempt since
- 1971
- Accounting year ends
- December
- Files
- Form 990 or 990-EZ
- Group exemption
- 1422: ALABAMA CREDIT UNION ADMINISTRATION
- Assets (IRS master file)
- $1,052,558,670
- Income (IRS master file)
- $106,670,668
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | December 2024 | $93,729,120 | $86,394,653 | $1,052,558,670 | XML |
| 990 | December 2023 | $79,832,389 | $69,635,277 | $1,018,202,202 | XML |
| 990 | December 2022 | $62,110,372 | $52,025,320 | $865,286,128 | IRS |
| 990 | December 2021 | – | – | – | IRS |
| 990 | December 2020 | – | – | – | IRS |
| 990 | December 2018 | – | – | – | IRS |
| 990 | December 2017 | – | – | – | IRS |
990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 63-0421006).
Questions about GUARDIAN CREDIT UNION
- What is the EIN of GUARDIAN CREDIT UNION?
- The employer identification number (EIN) of GUARDIAN CREDIT UNION is 63-0421006.
- Is GUARDIAN CREDIT UNION tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(14) since 1971.
- Are donations to GUARDIAN CREDIT UNION tax-deductible?
- No. The IRS master file says contributions to it are not deductible.
- Which annual return does GUARDIAN CREDIT UNION file?
- Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
- When is the next return of GUARDIAN CREDIT UNION due?
- The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did GUARDIAN CREDIT UNION last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended December 2024.
- Who is the principal officer of GUARDIAN CREDIT UNION?
- The 990 for the year ended December 31, 2024 names HEATH HARRELL.
- Who are the officers and directors of GUARDIAN CREDIT UNION?
- The 990 for the year ended December 31, 2024 lists 19 people; 12 received compensation from the organization, the highest $612,682 (HEATH HARRELL, CEO).
- How much revenue does GUARDIAN CREDIT UNION have?
- On its 990 for the year ended December 31, 2024 it reported revenue of $93,729,120, expenses of $86,394,653 and total assets of $1,052,558,670 at year end.
Other nonprofits in PRATTVILLE
- CENTRAL ALABAMA ELECTRIC COOPERATIVE EIN 63-0038505 · last filed 990 for 2025
- PRATTVILLE CHRISTIAN ACADEMY INC EIN 56-1998033 · last filed 990 for 2025
- ALABAMA CLASSICAL GROUP EIN 84-5061400 · last filed 990 for 2025
- YOUNG MENS CHRISTIAN ASSOCIATION OF PRATTVILLE ALABAMA INC EIN 63-6052425 · last filed 990 for 2025
- AUTAUGA WESTERN ELMORE ARC EIN 63-0889927 · last filed 990 for 2025
- ALABAMA BAPTIST RETIREMENT CENTER INC EIN 27-0720230 · last filed 990 for 2025
- LEAGUE OF PRAYER INC EIN 63-0810862 · last filed 990 for 2025
- AUTAUGA COUNTY FIRE FIGHTERS ASSOCIATION EIN 63-1193760 · last filed 990 for 2024