Federal credit union · MOORESTOWN, New Jersey · NCUA charter #14015
Garden State
Health score 46/100 (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 46
- Health / 100
- $37.4M
- Total assets
- 3,255
- Members
- 3.1%
- Net-worth ratio
Garden State - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #14015, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Garden State - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)26
- Asset quality (delinquency)32
- Earnings (ROA)98
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 46/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 3.12%, this institution is below the 7.0% NCUA well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 3.12% | 30% |
| Delinquency Rate | 2.71% | 25% |
| Return on Assets | 0.48% | 15% |
| Member Growth | -6.68% | 15% |
| Loan-to-Share Ratio | 75.82% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $37.4M | 3,255 |
| 2024Q4 | $39.3M | 3,488 |
| 2023Q4 | $39.1M | 3,600 |
Credit Union Details
- Charter Number
- 14015
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- MOORESTOWN
- Data Quarter
- 2025Q4
What This Data Says About Garden State
The five-factor composite scores Garden State at 46/100 (Below Average), reflecting a net worth ratio of 3.12% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This federal credit union, headquartered in MOORESTOWN, New Jersey, reports 3,255 members, $37.4M in total assets, and $25.3M in outstanding loans as of Q4 2025 under charter #14015 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
Deposits deployed into lending sit at a 75.82% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 2.71% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Return on assets stands at 0.48% on net income of $179K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -6.68%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Garden State financially healthy?
A 3.12% net worth ratio and a 2.71% delinquency rate feed into Garden State's financial health score of 46/100 (Below Average), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Garden State compare to other credit unions?
Garden State scores 46/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 State?
Garden State 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 State directly for the exact boundaries and application steps.
Is my money safe at Garden State?
Federal credit unions like Garden State 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 State's net worth ratio of 3.12% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Garden State offer compared to banks?
Credit unions like Garden State 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 State directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.