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
Call Report peers
Garden Savings in the assets neighbourhood
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Garden Savings vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Garden Savings sits in 70-74 with 317 others.
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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.
- One place up in New Jersey, Paterson Police (#64) ties at 73/100; one place down, Bayonne School Employees (#66) ties at 73/100.
Garden Savings Call Report trajectory
Garden Savings: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.4% from $492.7M (2025Q4) to $494.8M (2026Q1).
- Net-worth ratio shifted +0.07 pp (8.37% → 8.44%).
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
Garden Savings gives up 27 points in total. Return on Assets costs the most, 15 of its 15; Member Growth and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Garden Savings financially healthy?
Garden Savings has a financial health score of 73/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,425 of 4,374 nationally on health and #65 of 127 in New Jersey. Its net worth ratio is 8.44% and its delinquency rate 1.38%.
How does Garden Savings compare to other credit unions?
Garden Savings scores 73/100, higher than 21% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (82.82% vs 72.20%). Its widest shortfall is net worth ratio (8.44% vs 12.11%).
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?
Garden Savings is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.