credit union · NCUA 18710 · NJ
How big is GARDEN SAVINGS?
GARDEN SAVINGS (NJ, NCUA charter 18710) reported total assets of $495.5M, 30,058 members and a net worth ratio of 8.45% in its Call Report for 2026Q2. That ranks 764 of 4,299 federally insured credit unions by assets, 5 of 1,061 among credit unions with $100m-$500m in assets, 6 of 126 credit unions in new jersey.
What stands out
GARDEN SAVINGS (NJ, NCUA charter 18710) reported total assets of $495.5M, 30,058 members and a net worth ratio of 8.45% in its Call Report for 2026Q2. That ranks 764 of 4,299 federally insured credit unions by assets, 5 of 1,061 among credit unions with $100m-$500m in assets, 6 of 126 credit unions in new jersey. Against its size class: net worth ratio 8.45%, below the peer median of 11.65%; loan-to-share ratio 85.92%, above the peer median of 73.15%; return on assets 0.26%, below the peer median of 0.74%. At 8.45% 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 | $495.5M | $198.1M | $21.8M | $68.3M | record → |
| Shares and deposits | $423.3M | $172.3M | $18.8M | $58.3M | record → |
| Loans outstanding | $363.7M | $125.2M | $7.5M | $34.4M | record → |
| Net income (year to date) | $644.4k | $766.3k | $34.4k | $222.2k | record → |
| Net worth | $41.9M | $24.5M | $3.2M | $9.0M | record → |
| Net worth ratio | 8.45% | 11.65% | 13.81% | 12.65% | record → |
| Loan-to-share ratio | 85.92% | 73.15% | 50.89% | 68.70% | computed |
| Return on assets | 0.26% | 0.74% | 0.39% | 0.71% | computed |
| Members | 30,058 | 13,230 | 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 | $495.5M | $423.3M | $363.7M | $644.4k | 8.45% | 30,058 | 764 |
| 2026Q1 | $494.8M | $434.6M | $359.9M | $513.6k | 8.44% | 30,558 | 764 |
| 2025Q4 | $492.7M | $428.1M | $354.5M | $-1.1M | 8.37% | 30,733 | 756 |
| 2025Q3 | $498.8M | $432.5M | $358.8M | $-1.3M | 8.23% | 31,495 | 748 |
| 2025Q2 | $508.4M | $444.6M | $360.2M | $-1.3M | 7.95% | 31,943 | 743 |
| 2025Q1 | $512.3M | $452.2M | $365.4M | $-572.5k | 8.04% | 32,883 | 742 |
| 2024Q4 | $429.5M | $363.1M | $307.8M | $-3.0M | 8.15% | 24,744 | 813 |
| 2024Q3 | $436.1M | $362.4M | $310.6M | $-530.7k | 8.60% | 24,941 | 799 |
| 2024Q2 | $436.5M | $365.5M | $313.5M | $-627.1k | 8.57% | 24,918 | 801 |
| 2024Q1 | $429.5M | $368.8M | $312.2M | $-308.1k | 8.78% | 25,287 | 810 |
| 2023Q4 | $433.0M | $370.0M | $313.3M | $1.5M | 8.78% | 25,300 | 798 |
| 2023Q3 | $427.1M | $361.9M | $310.1M | $1.7M | 8.96% | 25,576 | 801 |
| 2023Q2 | $426.0M | $357.0M | $307.6M | $1.7M | 8.98% | 26,984 | 799 |
| 2023Q1 | $417.7M | $361.7M | $295.8M | $1.7M | 9.16% | 26,984 | 816 |
| 2022Q4 | $426.4M | $349.8M | $293.0M | $1.5M | 8.58% | 26,304 | 789 |
| 2022Q3 | $416.4M | $366.6M | $288.8M | $1.1M | 8.68% | 26,124 | 811 |
| 2022Q2 | $413.0M | $375.4M | $278.7M | $746.9k | 8.68% | 27,526 | 808 |
| 2022Q1 | $414.8M | $381.4M | $269.8M | $506.2k | 8.58% | 26,975 | 807 |
| 2021Q4 | $421.4M | $384.1M | $267.9M | $2.6M | 8.33% | 26,876 | 781 |
| 2021Q3 | $429.6M | $391.5M | $272.1M | $2.2M | 8.08% | 27,033 | 764 |
| 2021Q2 | $426.2M | $389.3M | $276.0M | $729.0k | 7.80% | 31,148 | 762 |
| 2021Q1 | $417.5M | $381.9M | $274.7M | $5.0k | 7.78% | 30,645 | 763 |
| 2020Q4 | $411.5M | $374.4M | $277.4M | $-598.8k | 7.89% | 30,249 | 739 |
| 2020Q3 | $408.8M | $370.9M | $278.1M | $-513.8k | 7.96% | 29,914 | 729 |
| 2020Q2 | $403.8M | $366.5M | $275.3M | $-500.6k | 8.07% | 28,999 | 729 |
| 2020Q1 | $388.6M | $351.9M | $274.9M | $-407.3k | 8.41% | 28,394 | 712 |
| 2019Q4 | $376.0M | $339.4M | $275.1M | $941.2k | 8.80% | 30,844 | 714 |
| 2019Q3 | $375.4M | $335.0M | $273.6M | $884.2k | 8.80% | 30,690 | 710 |
| 2019Q2 | $376.9M | $338.8M | $271.3M | $484.0k | 8.65% | 29,897 | 706 |
| 2019Q1 | $378.9M | $343.1M | $265.2M | $168.2k | 8.52% | 29,086 | 702 |
| 2018Q4 | $382.8M | $347.6M | $258.4M | $938.1k | 8.39% | 28,285 | 683 |
| 2018Q3 | $352.9M | $319.8M | $254.8M | $773.6k | 9.06% | 27,654 | 718 |
| 2018Q2 | $354.8M | $318.5M | $251.0M | $351.9k | 8.89% | 27,618 | 716 |
| 2018Q1 | $358.5M | $325.8M | $246.0M | $-39.5k | 8.69% | 29,403 | 709 |
| 2017Q4 | $356.2M | $321.7M | $241.1M | $-1.8M | 9.01% | 28,649 | 693 |
| 2017Q3 | $362.1M | $311.3M | $237.5M | $351.6k | 9.45% | 28,105 | 679 |
| 2017Q2 | $358.9M | $316.5M | $230.0M | $152.1k | 9.48% | 27,537 | 676 |
| 2017Q1 | $355.9M | $319.5M | $223.1M | $66.2k | 9.53% | 26,792 | 681 |
| 2016Q4 | $349.8M | $313.1M | $218.6M | $771.5k | 9.68% | 26,154 | 678 |
| 2016Q3 | $322.9M | $286.0M | $213.5M | $525.9k | 10.41% | 25,505 | 719 |
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