credit union · NCUA 14015 · NJ
How big is GARDEN STATE?
GARDEN STATE (NJ, NCUA charter 14015) reported total assets of $37.5M, 3,203 members and a net worth ratio of 11.44% in its Call Report for 2026Q2. That ranks 2660 of 4,299 federally insured credit unions by assets, 267 of 1,135 among credit unions with $10m-$50m in assets, 51 of 126 credit unions in new jersey.
What stands out
GARDEN STATE (NJ, NCUA charter 14015) reported total assets of $37.5M, 3,203 members and a net worth ratio of 11.44% in its Call Report for 2026Q2. That ranks 2660 of 4,299 federally insured credit unions by assets, 267 of 1,135 among credit unions with $10m-$50m in assets, 51 of 126 credit unions in new jersey. Against its size class: net worth ratio 11.44%, below the peer median of 13.88%; loan-to-share ratio 75.52%, above the peer median of 57.77%; return on assets 0.67%, below the peer median of 0.70%. At 11.44% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $37.5M | $25.2M | $21.8M | $68.3M | record → |
| Shares and deposits | $33.3M | $21.4M | $18.8M | $58.3M | record → |
| Loans outstanding | $25.1M | $11.2M | $7.5M | $34.4M | record → |
| Net income (year to date) | $126.2k | $82.1k | $34.4k | $222.2k | record → |
| Net worth | $4.3M | $3.4M | $3.2M | $9.0M | record → |
| Net worth ratio | 11.44% | 13.88% | 13.81% | 12.65% | record → |
| Loan-to-share ratio | 75.52% | 57.77% | 50.89% | 68.70% | computed |
| Return on assets | 0.67% | 0.70% | 0.39% | 0.71% | computed |
| Members | 3,203 | 2,092 | 1,796 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $37.5M | $33.3M | $25.1M | $126.2k | 11.44% | 3,203 | 2660 |
| 2026Q1 | $37.0M | $33.1M | $25.2M | $55.4k | 11.41% | 3,217 | 2677 |
| 2025Q4 | $37.4M | $33.4M | $25.3M | $204.7k | 11.15% | 3,255 | 2667 |
| 2025Q3 | $37.9M | $33.7M | $24.5M | $166.0k | 10.96% | 3,304 | 2659 |
| 2025Q2 | $38.7M | $34.7M | $25.3M | $151.9k | 10.64% | 3,362 | 2651 |
| 2025Q1 | $39.3M | $35.6M | $25.4M | $81.3k | 10.28% | 3,426 | 2654 |
| 2024Q4 | $39.3M | $35.3M | $25.9M | $178.6k | 10.09% | 3,488 | 2654 |
| 2024Q3 | $40.6M | $36.9M | $25.8M | $139.9k | 9.67% | 3,537 | 2623 |
| 2024Q2 | $41.2M | $37.6M | $26.5M | $70.1k | 9.36% | 3,561 | 2626 |
| 2024Q1 | $40.2M | $37.0M | $26.3M | $593 | 9.42% | 3,559 | 2665 |
| 2023Q4 | $39.1M | $36.0M | $26.0M | $120.4k | 9.67% | 3,600 | 2690 |
| 2023Q3 | $39.7M | $36.1M | $26.4M | $73.0k | 9.40% | 3,640 | 2677 |
| 2023Q2 | $40.7M | $36.2M | $26.4M | $130.5k | 9.32% | 3,681 | 2666 |
| 2023Q1 | $39.7M | $36.0M | $25.3M | $76.0k | 9.41% | 3,753 | 2705 |
| 2022Q4 | $39.9M | $36.2M | $24.5M | $102.5k | 9.18% | 3,777 | 2715 |
| 2022Q3 | $40.1M | $37.1M | $24.0M | $19.1k | 8.92% | 3,765 | 2732 |
| 2022Q2 | $40.9M | $37.9M | $23.1M | $-17.6k | 8.65% | 3,752 | 2717 |
| 2022Q1 | $41.5M | $37.8M | $21.6M | $-38.0k | 8.49% | 3,799 | 2720 |
| 2021Q4 | $40.1M | $36.6M | $21.3M | $97.1k | 8.88% | 3,813 | 2736 |
| 2021Q3 | $39.1M | $35.4M | $20.3M | $72.6k | 9.05% | 3,820 | 2759 |
| 2021Q2 | $38.6M | $35.1M | $21.1M | $45.1k | 9.08% | 3,837 | 2766 |
| 2021Q1 | $38.5M | $35.1M | $21.3M | $33.1k | 9.07% | 3,814 | 2771 |
| 2020Q4 | $37.5M | $34.1M | $21.8M | $167.6k | 9.22% | 3,913 | 2748 |
| 2020Q3 | $37.0M | $33.5M | $21.6M | $144.3k | 9.29% | 3,840 | 2742 |
| 2020Q2 | $36.1M | $32.7M | $21.4M | $79.0k | 9.33% | 3,878 | 2759 |
| 2020Q1 | $32.8M | $29.3M | $21.0M | $43.5k | 10.19% | 3,857 | 2810 |
| 2019Q4 | $31.8M | $28.3M | $20.6M | $179.9k | 10.37% | 3,889 | 2813 |
| 2019Q3 | $32.4M | $29.0M | $20.6M | $130.2k | 10.02% | 3,940 | 2785 |
| 2019Q2 | $32.4M | $29.1M | $20.2M | $88.9k | 9.87% | 3,939 | 2800 |
| 2019Q1 | $32.5M | $29.2M | $19.6M | $55.1k | 9.75% | 3,942 | 2806 |
| 2018Q4 | $31.9M | $28.8M | $20.6M | $62.2k | 9.75% | 3,903 | 2809 |
| 2018Q3 | $31.7M | $28.5M | $20.2M | $46.7k | 9.78% | 3,948 | 2829 |
| 2018Q2 | $32.9M | $29.7M | $18.5M | $31.6k | 9.37% | 3,926 | 2799 |
| 2018Q1 | $33.1M | $30.0M | $19.1M | $15.8k | 9.26% | 3,932 | 2801 |
| 2017Q4 | $31.7M | $28.6M | $19.1M | $59.7k | 9.62% | 4,021 | 2819 |
| 2017Q3 | $28.5M | $25.7M | $16.9M | $49.9k | 9.47% | 3,573 | 2986 |
| 2017Q2 | $28.5M | $25.7M | $16.1M | $42.6k | 9.45% | 3,627 | 3010 |
| 2017Q1 | $28.7M | $26.0M | $16.4M | $30.4k | 9.32% | 3,661 | 3004 |
| 2016Q4 | $28.1M | $25.4M | $16.0M | $61.8k | 9.41% | 3,678 | 3009 |
| 2016Q3 | $28.3M | $25.6M | $15.2M | $55.7k | 9.32% | 3,680 | 3007 |
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