Gaf Linden Employees

Parsippany, NJ · 1 · Charter #2348 · www.gafcreditunion.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$4.4M
22th percentile
Members
495
17th percentile
Total loans
$1.1M
15th percentile
Total shares
$3.6M
23th percentile

Profitability

Return on assets
-0.15%
13th percentile
Net interest margin
3.08%
21th percentile
Efficiency ratio
99.55%
6th percentile
Non-interest income ratio
3.49%
26th percentile

Capital & Risk

Net worth ratio
17.82%
65th percentile
Delinquency rate
7.33%
3th percentile
Net charge-off rate
1.13%
15th percentile
Loan-to-share
29.95%
12th percentile

Growth

Member growth YoY
1.23%
79th percentile
Asset growth YoY
-14.08%
2th percentile
Loan growth YoY
-8.42%
29th percentile
Share growth YoY
-16.55%
2th percentile

Operations

Members / branch
495
23th percentile
Assets / member
$8,849
46th percentile
Field of membership penetration
19.80%
33th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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