Federal credit union · MOORESTOWN, New Jersey · NCUA charter #14015
Garden State
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $37.4M
- Total assets
- 3,255
- Members
- 11.4%
- Net-worth ratio
Garden State scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $37.4M; members 3,255; net-worth ratio 11.41%; health rank #3,718 of 4,374; healthier than 15th of scored peers.
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NCUA 5300 Call Report Masthead
#3,718 of 4,374 health · 2025Q4Garden State · health 68/100 · $37.4M · 2025Q4
Call Report peers
Garden State in the assets neighbourhood
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Garden State vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Garden State sits in 65-69 with 275 others.
68 15th percentile higher than 15% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Garden State: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +16.02 pp (75.82% vs 59.80%).
- Largest lag: Net Worth Ratio at 11.41% vs peer 14.86% (-3.45 pp).
New Jersey standing for Garden State
- Health composite ranks #87 of 127 among scored New Jersey credit unions.
- New Jersey assets place: #52 of 127.
- Membership ranks #48 of 127 among New Jersey CUs with a reported count (3,255 members).
- One place up in New Jersey, Vah Lyons Employees (#86) ties at 68/100; one place down, Southern Middlesex Co Tchrs (#88) ties at 68/100.
How Garden State's 5300 filing moved
Garden State: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.0% from $37.4M (2025Q4) to $37.0M (2026Q1).
- Net-worth ratio shifted +0.26 pp (11.15% → 11.41%).
At 11.41%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 68/100 score is built
Garden State gives up 32 points in total. Delinquency Rate costs the most, 16.9 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 8.1 pts
- Return on Assets 14.7 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.2 pts
Garden State health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.41% | -3.45 pp |
| Delinquency Rate | 2.71% | +1.56 pp |
| Return on Assets | 0.48% | -0.23 pp |
| Member Growth | -6.68% | - |
| Loan-to-Share Ratio | 75.82% | +16.02 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Garden State quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $37.0M | - |
| 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
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Garden State, spread across 3 cities in 2 states.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | MOORESTOWN, NJ |
| MOBILE - 2 | CAMDEN, NJ |
| DATA PROCESSOR | PLANO, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
Garden State nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Garden State ranks #3,718 of 4,374 nationally on financial health and #87 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- N.J.T. Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with N.J.T. Employees
Frequently Asked Questions
Is Garden State financially healthy?
Garden State has a financial health score of 68/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,718 of 4,374 nationally on health and #87 of 127 in New Jersey. Its net worth ratio is 11.41% and its delinquency rate 2.71%.
How does Garden State compare to other credit unions?
Garden State scores 68/100, higher than 15% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (75.82% vs 59.80%). Its widest shortfall is net worth ratio (11.41% vs 14.86%).
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?
Garden State 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 State's net worth ratio of 11.41% 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.