TellerScore

Headquartered in Moorestown, New Jersey, Garden State Federal Credit Union is a federal credit union with $37.5M in total assets and $33.3M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1960.

Garden State Federal Credit Union has a TellerScore of 54 out of 100 (below average) based on Q2 2026 data — higher than only 13% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 102nd. Funding & liquidity contributes the most (85/100, 76% loans-to-deposits, 5% uninsured); loan quality contributes the least (22/100, 2.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Net worth ratio: 11.44%
Loan quality22/100
Loans 60+ days delinquent ÷ total loans: 2.33%
Earnings47/100
Return on assets (annualized): 0.67%
Funding & liquidity85/100
Loans ÷ shares: 75.5% · 5.1% uninsured
Problem-loan coverage73/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 13.67%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 11 points (43 → 54), mostly because the problem-loan coverage component improved by 42 points.

TellerScore
435056Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202452
Q3 202449
Q4 202451
Q1 202555
Q2 202543
Q3 202549
Q4 202549
Q1 202656
Q2 202654
Net worth ratio
7.00%9.22%11.44%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.36%
Q3 20249.67%
Q4 202410.09%
Q1 202510.28%
Q2 202510.64%
Q3 202510.96%
Q4 202511.15%
Q1 202611.41%
Q2 202611.44%
Delinquent loans (60+ days)
1.75%3.69%5.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20241.75%
Q3 20242.21%
Q4 20242.04%
Q1 20252.06%
Q2 20255.64%
Q3 20252.74%
Q4 20252.71%
Q1 20262.05%
Q2 20262.33%
Return on assets
0.34%0.58%0.83%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20240.34%
Q3 20240.46%
Q4 20240.46%
Q1 20250.83%
Q2 20250.79%
Q3 20250.58%
Q4 20250.55%
Q1 20260.60%
Q2 20260.67%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202654$37.5M11.44%2.33%0.67%75.5%
Q1 202656$37.0M11.41%2.05%0.60%76.2%
Q4 202549$37.4M11.15%2.71%0.55%75.8%
Q3 202549$37.9M10.96%2.74%0.58%72.7%
Q2 202543$38.7M10.64%5.64%0.79%72.9%
Q1 202555$39.3M10.28%2.06%0.83%71.5%
Q4 202451$39.3M10.09%2.04%0.46%73.2%
Q3 202449$40.6M9.67%2.21%0.46%69.9%
Q2 202452$41.2M9.36%1.75%0.34%70.6%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.44%
27th
Problem loans2.33%
17th
Net charge-offs1.15%
12th
Return on assets0.67%
51st
Loans to deposits75.5%
25th
Uninsured deposits5.1%
21st
Loan-loss reserves0.00%
37th
Texas ratio13.7%
9th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Lakehurst Naval Federal Credit UnionCredit union Joint Base MDL, NJ61 out of 100, Moderate$37.9M12.5%3.50%vs
Postal Employees Credit UnionCredit union Yardville, NJ72 out of 100, Strong$35.7M15.3%0.87%vs
N.J.T. Employees Federal Credit UnionCredit union Waldwick, NJ66 out of 100, Moderate$39.5M11.2%0.87%vs
Public Service Federal Credit UnionCredit union Middlesex, NJ84 out of 100, Strong$40.4M15.9%1.24%vs
Community Financial Services Federal Credit UnionCredit union Roselle, NJ46 out of 100, Below average$30.6M13.4%2.88%vs
Manville Area Federal Credit UnionCredit union Manville, NJ77 out of 100, Strong$29.8M11.9%0.00%vs

Deposit insurance

Is my money safe at Garden State Federal Credit Union?

Yes. Garden State Federal Credit Union is a federally insured credit union (NCUA charter #14015). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.1% of shares and deposits ($1.7M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.44%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Garden State Federal Credit Union lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Garden State Federal Credit Union
Type
Federal credit union
NCUA charter #
14015
RSSD ID
294685
Primary regulator
NCUA
Established
1960
Headquarters
Po Box 680, Moorestown, NJ 08057

Quick answers

Garden State Federal Credit Union: common questions

Is Garden State Federal Credit Union NCUA insured?

Yes. Garden State Federal Credit Union is a federally insured credit union (NCUA charter #14015). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Garden State Federal Credit Union's TellerScore?

54 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Garden State Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Moorestown

InstitutionScoreAssetsCapitalProblem loansCompare
Asbestos Workers Local 14 Federal Credit UnionCredit union Philadelphia, PA100 out of 100, Very strong$4.1M15.4%0.00%vs
Police & Fire Federal Credit UnionCredit union Philadelphia, PA96 out of 100, Very strong$10.2B18.6%0.24%vs
Toledo Fire Fighters Federal Credit UnionCredit union Toledo, OH95 out of 100, Very strong$45.5M17.8%0.34%vs
Upper Darby Belltelco Federal Credit UnionCredit union Upper Darby, PA94 out of 100, Very strong$71.6M25.3%0.69%vs
The Philadelphia Trust CompanyBank Philadelphia, PA93 out of 100, Very strong$27.7M71.8%0.00%vs
Holy Trinity Baptist Federal Credit UnionCredit union Philadelphia, PA93 out of 100, Very strong$30K30.3%0.00%vs