GARDEN SAVINGS
Charter #18710 · PARSIPPANY, NJ · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.44% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 2.08% sits at the 87th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.34% sits at the 82nd percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 100th percentile but its structural peers at the 77th — a 22-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 SAVINGS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $494.78M | 100th pct | 77th pct |
| Members | 30,558 | 94th pct | 72th pct |
| Net worth ratio | 8.44% | 7th pct | 21th pct |
| Return on average assets | 0.42% | 30th pct | 46th pct |
| Net interest margin | 3.55% | 42th pct | 36th pct |
| Cost of funds | 2.08% | 90th pct | 87th pct |
| Loan-to-share | 82.82% | 75th pct | 59th pct |
| Delinquency 60+ days | 1.34% | 86th pct | 82th pct |
| Net charge-off ratio | 0.32% | 47th pct | 39th pct |
| Loan growth YoY | 0.32% | 51th pct | 54th pct |
| Share growth YoY | 0.48% | 12th pct | 11th pct |
| Efficiency ratio | 86.44% | 76th pct | 61th pct |
structural peer set hash: 29d59a0c48b9d2658a4d2921ba344ac9… (reproducible)
Closest structural peers
This is the free public view
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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.