Garden Savings Federal Credit Union

Parsippany, NJ

Rating Date

July 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	C
Asset Quality Index	6.30
Capitalization Index	4.60
Liquidity Index	2.30
Profitability Index	1.60
Stability Index	1.30

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	19.29%
5-Year Asset Growth	2.70%
5-Year Charge-Offs to Average Loans	0.84%
Charge-Offs to Average Loans	1.09%
Non-Performing Assets to Assets	0.90%
Non-Performing Loans to Capital	12.14%
Non-Performing Loans to Loans	0.96%

Balance Sheet	Garden Savings Federal Credit Union Parsippany, NJ	Click to Compare	Click to Compare	Click to Compare
Total Assets	512.29M
Total Deposits	452.25M

Capital and Reserves	Garden Savings Federal Credit Union Parsippany, NJ	Click to Compare	Click to Compare	Click to Compare
Capital	32.88M
Leverage Ratio	8.04
Loan Loss Reserves to Loans	1.38%

Liquidity	Garden Savings Federal Credit Union Parsippany, NJ	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	22.85%
Liquidity Ratio	9.31%

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	-573.00K
Net Interest Spread	3.64%
Operating Profit to Average Assets	0.06%
Overhead Efficiency Ratio	98.67%
Return on Assets	-0.49%
Return on Equity	-7.59%