Garden Savings Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.2 on a scale of 0 to 10).
Other Rating Factors:
Weak liquidity 2.2, driven by a liquidity ratio of 9.5 percent and a “hot money” ratio of 22.9 percent. Good current capitalization (5.1 on a scale of 0 to 10) based on a net capital to total assets of 7.4 and a net worth ratio of 8.2.
Asset Mix:
Consumer loans (27%), home mtgs (19%), comm loans (5%), securities (0%), other (48%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
129 Littleton Road
Parsippany, NJ 07054
Parsippany, NJ 07054
Phone Number
(973) 576-2000
NCUA Charter Number
Website
Largest Competitors
Basking Ridge, NJ
Rahway, NJ
Branchburg, NJ
Parsippany, NJ
Parsippany, NJ