Garden Savings

PARSIPPANY, NJ · 1 · Charter #18710 · www.Gardensavingsfcu.org
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$492.7M
57th percentile
Members
30,733
55th percentile
Total loans
$354.5M
61th percentile
Total shares
$397.3M
53th percentile

Profitability

Return on assets
0.16%
8th percentile
Net interest margin
3.46%
50th percentile
Efficiency ratio
60.75%
42th percentile
Non-interest income ratio
11.86%
11th percentile

Capital & Risk

Net worth ratio
8.37%
9th percentile
Delinquency rate
1.38%
14th percentile
Net charge-off rate
0.82%
17th percentile
Loan-to-share
89.25%
73th percentile

Growth

Member growth YoY
24.20%
98th percentile
Asset growth YoY
14.71%
96th percentile
Loan growth YoY
15.17%
91th percentile
Share growth YoY
23.77%
98th percentile

Operations

Members / branch
5,122
59th percentile
Assets / member
$16,033
49th percentile
Field of membership penetration
5.05%
55th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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