GARDEN STATE
Charter #14015 · MOORESTOWN, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.81% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.05% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.45% sits at the 97th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 76th percentile but its structural peers at the 36th — a 40-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | GARDEN STATE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $37.00M | 76th pct | 36th pct |
| Members | 3,217 | 80th pct | 54th pct |
| Net worth ratio | 11.41% | 31th pct | 51th pct |
| Return on average assets | 0.60% | 47th pct | 56th pct |
| Net interest margin | 4.81% | 88th pct | 95th pct |
| Cost of funds | 0.80% | 47th pct | 28th pct |
| Loan-to-share | 76.18% | 79th pct | 64th pct |
| Delinquency 60+ days | 2.05% | 85th pct | 85th pct |
| Net charge-off ratio | 1.45% | 91th pct | 97th pct |
| Loan growth YoY | 2.72% | 85th pct | 82th pct |
| Share growth YoY | -1.92% | 13th pct | 15th pct |
| Efficiency ratio | 80.62% | 50th pct | 33th pct |
structural peer set hash: 8bc30fdb75b1dd0d6e745804fd122620… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.