Federal credit union · PARSIPPANY, New Jersey · NCUA charter #18710
Garden Savings
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $492.7M
- Total assets
- 30,733
- Members
- 8.4%
- Net-worth ratio
Garden Savings scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $492.7M; members 30,733; net-worth ratio 8.44%; health rank #3,425 of 4,374; healthier than 21st of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,425 of 4,374 health · 2025Q4Garden Savings · health 73/100 · $492.7M · 2025Q4
- DELQ 73/100
- ROA 8.4%
- ASSETS 1.38%
- MEM -0.60%
- RANK $492.7M
- PHOTO 30,733
- BOOK #3,425/4,374
- CHARTER River Valley
- NCUSIF 18710
Call Report peers
Garden Savings in the assets neighbourhood
Garden Savings's $492.7M assets sit next to River Valley ($492.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Garden Savings vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Garden Savings - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #18710 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where Garden Savings diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 82.82% vs peer 72.20% (+10.62 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.67 pp (8.44% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Garden Savings sits in New Jersey
- Health composite ranks #65 of 127 among scored New Jersey credit unions.
- New Jersey assets place: #6 of 127.
- Member book place in New Jersey: #4 of 127.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Garden Savings Call Report trajectory
Garden Savings: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $492.7M (2025Q4) to $494.8M (2026Q1).
- Net-worth ratio shifted +0.07 pp (8.37% → 8.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.44% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 73/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- Net Worth Ratio 26.1 pts
- Delinquency Rate 17.1 pts
- Return on Assets 0.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.8 pts
Garden Savings vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.44% | -3.67 pp |
| Delinquency Rate | 1.38% | +0.49 pp |
| Return on Assets | -0.60% | -1.22 pp |
| Member Growth | 24.20% | - |
| Loan-to-Share Ratio | 82.82% | +10.62 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Garden Savings quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $494.8M | - |
| 2025Q4 | $492.7M | 30,733 |
| 2024Q4 | $429.5M | 24,744 |
| 2023Q4 | $433.0M | 25,300 |
Credit Union Details
- Charter Number
- 18710
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- New Jersey
- City
- PARSIPPANY
- Data Quarter
- 2025Q4
Branch Locations (6)
Garden Savings operates 6 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main (Main Office) | Parsippany, NJ |
| Brick Branch | Brick, NJ |
| Dover Branch | Dover, NJ |
| Regular Branch | Newark, NJ |
| Parlin Branch | Parlin, NJ |
| South Orange Branch | South Orange, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
A look at other New Jersey credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Garden Savings
Garden Savings's nationwide photo peers by assets and by health score, excluding New Jersey charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($492.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
Using this data
- Garden Savings ranks #3,425 of 4,374 nationally on financial health and #65 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Credit Union of New Jersey, a is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Credit Union of New Jersey, a
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Garden Savings financially healthy?
Yes/no aside, the number is 73/100 (Very Good) - Garden Savings's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,425 of 4,374; by total assets it ranks #756 of 4,374 nationally (same basis as /rankings/largest); and #6 of 127 within New Jersey. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.44% net worth ratio and 1.38% delinquency rate are the key drivers.
How does Garden Savings compare to other credit unions?
Garden Savings scores 73/100 on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Garden Savings?
Garden Savings operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Garden Savings directly for the exact boundaries and application steps.
Is my money safe at Garden Savings?
Federal credit unions like Garden Savings are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Garden Savings's net worth ratio of 8.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Garden Savings offer compared to banks?
Credit unions like Garden Savings are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Garden Savings directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.