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Guardians Credit Union

Organization summary

Type of Nonprofit

Designated as a State-chartered credit unions and mutual reserve funds.

Donations to this organization are not tax deductible.

Summary charts: organization finances over time

Revenue
$19.3M (2023)

Expenses
$15.7M (2023)

Total Assets
$289M (2023)

Total Liabilities
$246M (2023)

Source: Form 990 tax filings from 2011 to 2023

Tax Filings by Year

Form 990 is an information return that most organizations claiming federal tax-exempt status must file yearly with the IRS. Nonprofit Explorer has IRS digitized Form 990 data for filings processed in 2012 and later. If this organization filed an amended return, it may not be reflected below. Duplicate download links may indicate a resubmission or amendment to this organization's original return. Form 990 data is from the IRS.

Fiscal Year Ending Dec.
2023

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$19,290,973
Expenses
$15,749,063
Net Income
$3,541,910
Net Assets
$42,240,865
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $13,820,125
71.6%
Investment Income $1,541,215
8.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $3,929,633
20.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $4,584,257
29.1%
Assets/Debt
Total Assets $288,582,486
Total Liabilities $246,341,621
Net Assets $42,240,865
Compensation
Key Employees and Officers Compensation Related Other
John Deese (Ceo) $868,085 $0 $11,550
Deanna Frame (Evp) $216,665 $0 $13,539
Steve Bosack (President/Ce) $205,630 $0 $13,457
Jose Alicea (Coo) $151,063 $0 $10,673
W Chris Calvert (Chief Mem Ex) $147,809 $0 $11,253
Lisa Oliver (Chief Admin) $138,172 $0 $10,861
Laura Wills (Cfo) $124,861 $0 $10,450
Herbert Kahlert (Board Chair) $0 $0 $0
Ray Liggins (Board Vice C) $0 $0 $0
Oscar Solares (Board Secret) $0 $0 $0
Judith Dugo (Board Treasu) $0 $0 $0
Brendan Lynch (Board Member) $0 $0 $0
James Davis (Board Mem/Au) $0 $0 $0
Thomas Shea (Honorary Boa) $0 $0 $0
Carol Heffner (Aud Comm Cha) $0 $0 $0
Keeler Shephard (Audit Vice C) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2022

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$15,811,179
Expenses
$13,250,093
Net Income
$2,561,086
Net Assets
$39,162,611
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $10,942,129
69.2%
Investment Income $1,182,733
7.5%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $3,686,317
23.3%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $3,812,502
28.8%
Assets/Debt
Total Assets $302,456,073
Total Liabilities $263,293,462
Net Assets $39,162,611
Compensation
Key Employees and Officers Compensation Related Other
John Deese (Ceo/Board Se) $367,273 $0 $10,675
Shannon Duran (President) $232,436 $0 $12,965
Deanna Frame (Evp, Interim) $190,308 $0 $11,250
Jose Alicea (Chief Operat) $158,940 $0 $7,925
W Chris Calvert (Chief Lendin) $155,190 $0 $11,319
Thomas Shea (Board Mem) $0 $0 $0
Herbert Kahlert (Board Chair) $0 $0 $0
James Davis (Board Vp/Aud) $0 $0 $0
Ray Liggins (Board Secret) $0 $0 $0
Judith Dugo (Board Treasu) $0 $0 $0
Oscar Solares (Board Member) $0 $0 $0
Brenden Lynch (Board Member) $0 $0 $0
Thomas J Shea (Honorary Boa) $0 $0 $0
Carol Heffner (Aud Comm Cha) $0 $0 $0
Keeler Shephard (Audit Commit) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2021

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$15,445,719
Expenses
$12,136,041
Net Income
$3,309,678
Net Assets
$36,424,892
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $9,381,960
60.7%
Investment Income $216,379
1.4%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $5,847,380
37.9%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $4,328,523
35.7%
Assets/Debt
Total Assets $295,864,483
Total Liabilities $259,439,591
Net Assets $36,424,892
Compensation
Key Employees and Officers Compensation Related Other
John Deese (Ceo/Board Se) $352,836 $0 $10,150
Shannon Duran (President) $206,397 $0 $19,638
Deanna Frame (Sr Vp/Cfo) $160,270 $0 $10,910
W Chris Calvert (Sr Vp, Branc) $143,032 $0 $10,302
Jose Alicea (Sr Vp, Virtu) $135,060 $0 $7,916
Lisa Oliver (Sr Vp, Admin) $103,547 $0 $15,094
Thomas Shea (Board Chairm) $0 $0 $0
Herbert Kahlert (Board Vice C) $0 $0 $0
James Snelgrove (Board Member) $0 $0 $0
James Davis (Board Mem/Au) $0 $0 $0
Ray Liggins (Board Member) $0 $0 $0
Brenden Lynch (Board Member) $0 $0 $0
Judith Dugo (Board Member) $0 $0 $0
Oscar Solares (Board Member) $0 $0 $0
Carol Heffner (Aud Comm Cha) $0 $0 $0
Keeler Shephard (Audit Commit) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2020

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$13,391,332
Expenses
$11,909,286
Net Income
$1,482,046
Net Assets
$33,122,783
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $10,007,494
74.7%
Investment Income $440,157
3.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $2,943,681
22.0%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $3,148,978
26.4%
Assets/Debt
Total Assets $251,412,750
Total Liabilities $218,289,967
Net Assets $33,122,783
Compensation
Key Employees and Officers Compensation Related Other
John Deese (Ceo/Board Se) $309,269 $0 $9,975
Shannon Duran (President) $176,242 $0 $12,579
Deanna Frame (Sr Vp/Cfo) $141,455 $0 $7,442
Thomas Shea (Chariman/Gov) $0 $0 $0
Herbert Kahlert (Vice Chairma) $0 $0 $0
Oscar Solares (Board Member) $0 $0 $0
James Davis (Board Mem/Au) $0 $0 $0
Judith Dugo (Board Member) $0 $0 $0
Ray Liggins (Board Member) $0 $0 $0
Branden Lynch (Board Member) $0 $0 $0
James Snelgrove (Board Member) $0 $0 $0
Carol Heffner (Chairperson) $0 $0 $0
Keeler Shephard (Audit Commit) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2019

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$13,904,869
Expenses
$11,787,836
Net Income
$2,117,033
Net Assets
$31,631,401
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $9,983,213
71.8%
Investment Income $973,745
7.0%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $2,947,911
21.2%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $3,097,709
26.3%
Assets/Debt
Total Assets $206,919,539
Total Liabilities $175,288,138
Net Assets $31,631,401
Compensation
Key Employees and Officers Compensation Related Other
John Deese (Ceo/Board Se) $281,163 $0 $9,800
Deanna Frame (Sr Vp/Cfo) $132,910 $0 $7,200
Shannon Duran (Evp) $132,901 $0 $10,665
Thomas Shea (Chariman/Gov) $0 $0 $0
Herbert Kahlert (Vice Chairma) $0 $0 $0
Oscar Solares (Board Member) $0 $0 $0
James Davis (Board Mem/Au) $0 $0 $0
Judith Dugo (Board Member) $0 $0 $0
Ray Liggins (Board Member) $0 $0 $0
Branden Lynch (Board Member) $0 $0 $0
James Snelgrove (Board Member) $0 $0 $0
Carol Heffner (Audit Commit) $0 $0 $0
Keeler Shephard (Audit Commit) $0 $0 $0
Vince Bonvento (Gov Affairs) $0 $0 $0
Theresa Panozzo (Gov Affairs) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2018

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$12,298,019
Expenses
$9,570,040
Net Income
$2,727,979
Net Assets
$22,037,565
Notable Sources of Revenue Percent of Total Revenue
Contributions $468,333
3.8%
Program Services $8,663,783
70.4%
Investment Income $776,817
6.3%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $2,389,086
19.4%
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $2,654,443
27.7%
Assets/Debt
Total Assets $165,502,043
Total Liabilities $143,464,478
Net Assets $22,037,565
Compensation
Key Employees and Officers Compensation Related Other
John Deese (Ceo/Board Se) $567,423 $0 $9,625
Shannon Duran (Evp) $122,558 $0 $9,682
Deanna Frame (Sr Vp/Cfo) $116,038 $0 $5,215
Thomas Shea (Chariman/Gov) $0 $0 $0
Herbert Kahlert (Vice Chairma) $0 $0 $0
Stephen Catalano (Board Member) $0 $0 $0
James Davis (Board Mem/Au) $0 $0 $0
Willa Fearrington (Board Member) $0 $0 $0
Ray Liggins (Board Member) $0 $0 $0
Branden Lynch (Board Member) $0 $0 $0
James Snelgrove (Board Member) $0 $0 $0
Carol Heffner (Audit Commit) $0 $0 $0
Keeler Shephard (Audit Commit) $0 $0 $0
Vince Bonvento (Gov Affairs) $0 $0 $0
Theresa Panozzo (Gov Affairs) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2017

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$10,802,138
Expenses
$9,113,392
Net Income
$1,688,746
Net Assets
$19,309,585
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $10,374,550
96.0%
Investment Income $425,854
3.9%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $1,734
0.0%
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $774,776
8.5%
Professional Fundraising Fees $0
Other Salaries and Wages $2,773,216
30.4%
Assets/Debt
Total Assets $154,701,075
Total Liabilities $135,391,490
Net Assets $19,309,585
Compensation
Key Employees and Officers Compensation Related Other
John Deese (Sec/Treas) $549,292 $0 $24,000
Shannon Julian Dura (Accounting M) $117,549 $0 $10,256
Denna Irene Frame (Marketing Ma) $107,935 $0 $3,422
James Snelgrove (Bod) $0 $0 $0
Steve Catalano (Bod) $0 $0 $0
James Davis (Bod Audit C) $0 $0 $0
Willa Fearrington (Bod) $0 $0 $0
Carol Heffner (Audit Com. C) $0 $0 $0
Ray C Liggins (Bod) $0 $0 $0
Brendan Lynch (Bod) $0 $0 $0
Keeler Shepard (Audit Commit) $0 $0 $0
Thomas J Shea (Chairman) $0 $0 $0
Herbert Kahlert (Vice Chairma) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2016

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$9,541,129
Expenses
$8,176,403
Net Income
$1,364,726
Net Assets
$17,620,839
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $9,582,764
> 100%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$41,635
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $776,644
9.5%
Professional Fundraising Fees $0
Other Salaries and Wages $2,441,463
29.9%
Assets/Debt
Total Assets $143,132,291
Total Liabilities $125,511,452
Net Assets $17,620,839
Compensation
Key Employees and Officers Compensation Related Other
John Deese (Sec/Treas) $552,361 $0 $24,000
Shannon Julian Dura (Accounting M) $120,170 $0 $8,406
Denna Irene Frame (Marketing Ma) $104,113 $0 $3,133
James Snelgrove (Bod) $0 $0 $0
Steve Catalano (Bod) $0 $0 $0
James Davis (Bod Audit C) $0 $0 $0
Willa Fearrington (Bod) $0 $0 $0
Carol Heffner (Audit Com. C) $0 $0 $0
Ray C Liggins (Bod) $0 $0 $0
Brendan Lynch (Bod) $0 $0 $0
Keeler Shepard (Audit Commit) $0 $0 $0
Thomas J Shea (Chairman) $0 $0 $0
Herbert Kahlert (Vice Chairma) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2015

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$8,952,604
Expenses
$7,297,004
Net Income
$1,655,600
Net Assets
$16,256,113
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $8,968,307
> 100%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$15,703
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $774,005
10.6%
Professional Fundraising Fees $0
Other Salaries and Wages $2,246,137
30.8%
Assets/Debt
Total Assets $132,800,885
Total Liabilities $116,544,772
Net Assets $16,256,113
Compensation
Key Employees and Officers Compensation Related Other
John Deese (Sec/Treas/Ce) $555,081 $0 $36,000
Shannon Julian Dura (Accounting M) $117,704 $0 $7,629
Denna Irene Frame (Marketing Ma) $101,220 $0 $2,949
James Snelgrove (Bod) $0 $0 $0
Steve Catalano (Bod) $0 $0 $0
James Davis (Bod) $0 $0 $0
Willa Fearrington (Bod) $0 $0 $0
Carol Heffner (Audit Com. C) $0 $0 $0
Ray C Liggins (Bod) $0 $0 $0
Brendan Lynch (Bod) $0 $0 $0
Keeler Shepard (Audit Commit) $0 $0 $0
Thomas J Shea (Chairman) $0 $0 $0
Herbert Kahlert (Vice Chairma) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2014

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$8,319,283
Expenses
$7,117,491
Net Income
$1,201,792
Net Assets
$14,600,513
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $8,468,132
> 100%
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets -$148,849
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $555,534
7.8%
Professional Fundraising Fees $0
Other Salaries and Wages $2,216,391
31.1%
Assets/Debt
Total Assets $119,549,333
Total Liabilities $104,948,820
Net Assets $14,600,513
Compensation
Key Employees and Officers Compensation Related Other
John Deese (Sec/Treas/Ce) $555,534 $0 $20,000
Shannon Julian Dura () $107,166 $0 $20,000
James Snelgrove (Bod) $0 $0 $0
Steve Catalano (Bod) $0 $0 $0
James Davis (Bod) $0 $0 $0
Willa Fearrington (Bod) $0 $0 $0
Carol Heffner () $0 $0 $0
Ray C Liggins () $0 $0 $0
Brendan Lynch () $0 $0 $0
Keeler Shepard () $0 $0 $0
Thomas J Shea (Chairman) $0 $0 $0
Herbert Kahlert (Vice Chairma) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2013

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$0
Expenses
$0
Net Income
$0
Net Assets
$12,520,730
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $0
Investment Income $0
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $0
Professional Fundraising Fees $0
Other Salaries and Wages $0
Assets/Debt
Total Assets $107,511,276
Total Liabilities $94,990,546
Net Assets $12,520,730
Compensation
Key Employees and Officers Compensation Related Other
John Deese (Sec/Treas/Ce) $511,779 $0 $0
James Snelgrove (Bod) $0 $0 $0
Steve Catalano (Bod) $0 $0 $0
James Davis (Bod) $0 $0 $0
Willa Fearrington (Bod) $0 $0 $0
Thomas J Shea (Chairman) $0 $0 $0
Herbert Kahlert (Vice Chairma) $0 $0 $0

Document Links

Fiscal Year Ending Dec.
2012

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,276,113
Expenses
$5,977,360
Net Income
$1,298,753
Net Assets
$12,520,729
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,195,470
98.9%
Investment Income $80,643
1.1%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $606,633
10.1%
Professional Fundraising Fees $0
Other Salaries and Wages $1,690,579
28.3%
Assets/Debt
Total Assets $107,511,276
Total Liabilities $94,990,547
Net Assets $12,520,729

Document Links

Fiscal Year Ending Dec.
2011

Extracted Financial Data

Extracted Financial Data from Form 990
Revenue
$7,223,917
Expenses
$5,950,768
Net Income
$1,273,149
Net Assets
$11,221,976
Notable Sources of Revenue Percent of Total Revenue
Contributions $0
Program Services $7,209,456
99.8%
Investment Income $14,461
0.2%
Bond Proceeds $0
Royalties $0
Rental Property Income $0
Net Fundraising $0
Sales of Assets $0
Net Inventory Sales $0
Other Revenue $0
Notable Expenses Percent of Total Expenses
Executive Compensation $233,024
3.9%
Professional Fundraising Fees $0
Other Salaries and Wages $1,854,439
31.2%
Assets/Debt
Total Assets $103,896,949
Total Liabilities $92,674,973
Net Assets $11,221,976

Document Links

Fiscal Year Ending Dec.
2010

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2009

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2008

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2007

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2006

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2005

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

Fiscal Year Ending Dec.
2004

No Extracted Financial Data

Extracted financial data is not available for the forms filed in this tax period, but Form 990 documents are available for download.

Document Links

About This Data

Nonprofit Explorer includes summary data for nonprofit tax returns and full Form 990 documents, in both PDF and digital formats.

The summary data contains information processed by the IRS during the 2012-2019 calendar years; this generally consists of filings for the 2011-2018 fiscal years, but may include older records. This data release includes only a subset of what can be found in the full Form 990s.

In addition to the raw summary data, we link to PDFs and digital copies of full Form 990 documents wherever possible. This consists of separate releases by the IRS of Form 990 documents processed by the agency, which we update regularly.

We also link to copies of audits nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year since 2016. These audits are copied from the Federal Audit Clearinghouse.

Which Organizations Are Here?

Every organization that has been recognized as tax exempt by the IRS has to file Form 990 every year, unless they make less than $200,000 in revenue and have less than $500,000 in assets, in which case they have to file form 990-EZ. Organizations making less than $50,000 don’t have to file either form but do have to let the IRS they’re still in business via a Form 990N "e-Postcard."

Nonprofit Explorer has organizations claiming tax exemption in each of the 27 subsections of the 501(c) section of the tax code, and which have filed a Form 990, Form 990EZ or Form 990PF. Taxable trusts and private foundations that are required to file a form 990PF are also included. Small organizations filing a Form 990N "e-Postcard" are not included in this data.

Types of Nonprofits

There are 27 nonprofit designations based on the numbered subsections of section 501(c) of the tax code. See the list »

Get the Data

For those interested in acquiring the original data from the source, here’s where our data comes from:

  • Raw filing data. Includes EINs and summary financials as structured data.
  • Exempt Organization profiles. Includes organization names, addresses, etc. You can merge this with the raw filing data using EIN numbers.
  • Form 990 documents. Prior to 2017, these documents were obtained and processed by Public.Resource.org and ProPublica. Bulk PDF downloads since 2017 are available from the IRS.
  • Form 990 documents as XML files. Includes complete filing data (financial details, names of officers, tax schedules, etc.) in machine-readable format. Only available for electronically filed documents. Electronic data released prior to October 2021 is also available through Amazon Web Services.
  • Audits. PDFs of single or program-specific audits for nonprofit organizations that spent $750,000 or more in Federal grant money in a single fiscal year. Available for fiscal year 2015 and later.

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