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Guardian Credit Union

EIN 39-0334442 Oak Creek, WI

Browse the largest nonprofits in Wisconsin

Revenue 2024
$17,242,708
Expenses 2024
$15,721,920

As filed

Subsection
14
Street
7801 S Howell Avenue

These codes are the IRS's own and are shown exactly as filed. What each one means is in the Business Master File documentation (opens in a new tab).

Mission and programs · 2024

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, COMPREHENSIVE, COURTEOUS AND PROMPT SERVICES.

Activities or mission (Part I)

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.

  • GUARDIAN CREDIT UNION IS THE LARGEST FULL-SERVICE CREDIT UNION HEADQUARTERED IN MILWAUKEE, WISCONSIN WITH $284 MILLION IN ASSETS PROVIDING SAVINGS AND LENDING SERVICES TO OVER 26,409 MEMBERS WORKING AND LIVING IN SOUTHEAST WISCONSIN.

  • WE HAVE OVER $174.4 MILLION IN CONSUMER LOANS OUTSTANDING. IN ADDITION, WE SERVICE OVER $197.0 MILLION IN 1ST MORTGAGE LOANS INCLUDING $0.9 MILLION IN COMMERCIAL REAL ESTATE LOANS.

  • WE HAVE TOTAL DEPOSITS IN EXCESS OF $252.9 MILLION INCLUDING REGULAR SAVINGS, CHECKING, CERTIFICATES OF DEPOSIT, IRA'S, HEALTH SAVINGS ACCOUNTS, CHRISTMAS CLUB AND YOUTH SAVINGS ACCOUNTS. 14,415 OF OUR MEMBERS HAVE A CHECKING ACCOUNT WITH US WHICH IS 54.6% OF OUR TOTAL MEMBERSHIP. MANY OF OUR CHECKING ACCOUNT MEMBERS USE DIRECT DEPOSIT AND OTHER ELECTRONIC DELIVERY CHANNELS SUCH AS INTERNET BANKING AND BILL PAYMENT.

As filed on the 2024 return.

Officers and directors · 2024

As listed in Part VII of the 2024 return, in the order the filer printed them. Each return names its own; this is not a roster the organization keeps with us.

  • John Bosbous

    BOARD VICE-CHAIRMAN

    Total calculated
    $0
    Hours/week
    1
  • Jonathan Waldron

    DIRECTOR - SECRETARY

    Total calculated
    $0
    Hours/week
    1
  • Robert Jelinek

    BOARD CHAIRMAN

    Total calculated
    $0
    Hours/week
    2
  • Darci Middaugh

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • David Rank

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Rose Bartkowiak

    DIRECTOR

    Total calculated
    $0
    Hours/week
    1
  • Kevin Nitka

    CEO/BOARD TREASURER

    Total calculated
    $304,537
    From this org
    $273,267
    From related orgs
    $0
    Other
    $31,270
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $264,891
    Bonus
    $6,000
    Other
    $2,376
    Deferred
    $9,151
    Nontaxable benefits
    $22,119
    Filer's total
    $304,537
  • David Zwaska

    CHIEF CREDIT OFFICER

    Total calculated
    $156,258
    From this org
    $141,139
    From related orgs
    $0
    Other
    $15,119
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $141,139
    Bonus
    $0
    Other
    $0
    Deferred
    $2,970
    Nontaxable benefits
    $12,149
    Filer's total
    $156,258
  • James Chudy

    CHIEF ACCOUNTING OFFICER

    Total calculated
    $161,253
    From this org
    $141,843
    From related orgs
    $0
    Other
    $19,410
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $141,843
    Bonus
    $0
    Other
    $0
    Deferred
    $4,882
    Nontaxable benefits
    $14,528
    Filer's total
    $161,253
  • Kevin Correa

    CHIEF ADMINISTRATION OFFICER

    Total calculated
    $157,558
    From this org
    $133,874
    From related orgs
    $0
    Other
    $23,684
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $133,874
    Bonus
    $0
    Other
    $0
    Deferred
    $5,248
    Nontaxable benefits
    $18,436
    Filer's total
    $157,558
  • Laura Saavedra

    VP of MEMBER SERVICES

    Total calculated
    $129,323
    From this org
    $107,553
    From related orgs
    $0
    Other
    $21,770
    Hours/week
    40
  • Steven Heiderer

    SENIOR VICE PRESIDENT

    Total calculated
    $175,739
    From this org
    $144,921
    From related orgs
    $0
    Other
    $30,818
    Hours/week
    40

    Schedule J breakdown matched by us

    Base
    $139,561
    Bonus
    $5,000
    Other
    $360
    Deferred
    $5,652
    Nontaxable benefits
    $25,166
    Filer's total
    $175,739

Compensation is as filed in Part VII: reportable pay from this organization and from related organizations, other compensation, and hours per week. The total, marked calculated, is our sum of the three dollar columns, with a blank column counted as $0; the form itself has no total. On a Form 990-EZ the columns are Part IV's instead, and on a Form 990-PF Part VIII's — compensation, contributions to benefit plans, and expense account — and the total sums those. A Schedule J breakdown is as filed: base pay, bonus, other, deferred compensation and nontaxable benefits from this organization, with any from related organizations beside each, and the filer's own total. It is shown with the Part VII listing of the same name on the same return. The form gives no key between the two, so that pairing is ours, and is marked matched by us. Earlier years are each on their own filing page.

Filings

  • 2024
    Revenue
    $17,242,708
    Expenses
    $15,721,920
    Contributions
    $12,150
    Grants paid
    $0
  • 2023
    Revenue
    $16,891,064
    Expenses
    $14,142,164
    Contributions
    $0
    Grants paid
    $0
  • 2022
    Revenue
    $13,498,485
    Expenses
    $11,833,729
    Contributions
    $0
    Grants paid
    $0

The four totals the IRS asks for on Part I of the Form 990, as filed. A dash means the figure was not present on the return — not that it was zero.

Other returns filed

  • 2021 · 990

    Revenue
    $12,852,827
    Expenses
    $11,426,661
    Assets (EOY)
    $291,729,738
  • 2020 · 990

    Revenue
    $12,472,112
    Expenses
    $10,752,439
    Assets (EOY)
    $258,616,027
  • 2019 · 990

    Revenue
    $12,475,827
    Expenses
    $11,347,405
    Assets (EOY)
    $220,222,269
  • 2018 · 990

    Revenue
    $12,999,926
    Expenses
    $12,045,047
    Assets (EOY)
    $218,385,051
  • 2017 · 990

    Revenue
    $12,463,293
    Expenses
    $14,110,914
    Assets (EOY)
    $220,969,713
  • 2016 · 990

    Revenue
    $13,349,380
    Expenses
    $12,947,913
    Assets (EOY)
    $217,430,936
  • 2015 · 990

    Revenue
    $11,233,892
    Expenses
    $15,365,760
    Assets (EOY)
    $212,166,149
  • 2014 · 990

    Revenue
    $12,620,114
    Expenses
    $12,297,623
    Assets (EOY)
    $236,869,206
  • 2013 · 990

    Revenue
    $14,724,330
    Expenses
    $13,960,578
    Assets (EOY)
    $230,958,646
  • 2012 · 990

    Revenue
    not reported
    Expenses
    $15,166,442
    Assets (EOY)
    $225,444,215

Nonprofiteer parses Forms 990, 990-EZ and 990-PF, in a window of recent tax years. These returns are recorded from the IRS e-file index, so their figures were extracted by that index rather than read from the return here — treat them as a different source from the filings above, not as more of the same record. A dash means the index carries no figure; Form 990-T listings carry none at all. Showing the 10 most recent; the API carries the rest.

Grants made

No itemized grants to organizations. Schedule I is filed only by organizations that granted more than $5,000 to a recipient, so most filers have none.

Grants received

Taxable family

From Schedule R Parts I, III and IV: entities that legally are the filer, and taxable partnerships, corporations and trusts it is related to. These record ownership and control, not shared board members or money.

Disregarded entities on its 2024 return

  • GUARDIAN TAX SERVICES LLC

    TAX PREPARATION · WI · income $41,138 · assets $224,807

Other IRS files

Auto-Revocation List

Not listed. The IRS publishes this list for organizations whose exemption was automatically revoked for failing to file for three consecutive years.

Publication 78

Not present in the most recent drop.

These are two separate IRS files on two separate schedules, shown as published and not reconciled with each other. Neither is a statement about whether a contribution is deductible today: 19,245 organizations appear in Publication 78 while the IRS's own revocation file lists them as currently revoked, more than half of those revoked before 2019. Absence from Publication 78 is evidence of nothing, and presence is not evidence either. Verify current status with the IRS before relying on it.

What this page reflects

The registration facts above come from the IRS Business Master File published 9 November 2026 and read 9 November 2026, for every organization at once. Returns through tax year 2024, the newest we have parsed for this organization.