Garden Savings Federal Credit Union

Parsippany, NJ

Rating Date

September 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

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Weiss Ratings	Garden Savings Federal Credit Union Parsippany, NJ	Click to Compare	Click to Compare	Click to Compare
Rating	D
Asset Quality Index	6.60
Capitalization Index	4.70
Liquidity Index	2.30
Profitability Index	1.50
Stability Index	2.00

Company Info	Garden Savings Federal Credit Union Parsippany, NJ	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	3329
Phone Number	(973) 576-2000
Website	www.gardensavingsfcu.org

Asset Quality	Garden Savings Federal Credit Union Parsippany, NJ	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	16.46%
5-Year Asset Growth	2.70%
5-Year Charge-Offs to Average Loans	0.84%
Charge-Offs to Average Loans	0.95%
Non-Performing Assets to Assets	0.83%
Non-Performing Loans to Capital	11.01%
Non-Performing Loans to Loans	0.95%

Balance Sheet	Garden Savings Federal Credit Union Parsippany, NJ	Click to Compare	Click to Compare	Click to Compare
Total Assets	508.39M
Total Deposits	444.60M

Capital and Reserves	Garden Savings Federal Credit Union Parsippany, NJ	Click to Compare	Click to Compare	Click to Compare
Capital	33.11M
Leverage Ratio	7.95
Loan Loss Reserves to Loans	1.39%

Liquidity	Garden Savings Federal Credit Union Parsippany, NJ	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	23.32%
Liquidity Ratio	8.93%

Profitability	Garden Savings Federal Credit Union Parsippany, NJ	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.10%
Net Income	-1.34M
Net Interest Spread	3.52%
Operating Profit to Average Assets	0.01%
Overhead Efficiency Ratio	99.81%
Return on Assets	-0.55%
Return on Equity	-8.47%