GARDEN STATE Credit Union Profile

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GARDEN STATE

Charter #14015 | NCUA Region 1 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (856) 235-2077

Fax: (856) 235-2904

Founding Date: N/A

Website: https://www.gardenstatefcu.org

Personnel & Operations

President: PASTORIZA, MARK

Manager: Ladd, Paul

FT Employees: 0

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 53

Branches: 2

Hours: MONDAY - FRIDAY 7:30AM TO 6PM SATURDAY - 9

Credit Union Profile Summary

GARDEN STATE is a FCU Credit Union. With a total of 3,362 members [1], this institution manages approximately $38,669,667 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 10.64% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -4.48% [1].

Financial Snapshot

Total Assets [1]
$38,669,667

Total economic resources.

Total Loans [1]
$25,338,441

Total value of outstanding loans.

Total Deposits [1]
$34,745,554

Total funds deposited by members.

Members [1]
3,362

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.64%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.78%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
72.93%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -6.06%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -4.48%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -5.59%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

144 W ROUTE 38

MOORESTOWN, NJ, 08057-3223
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 2 branches reported by GARDEN STATE (Charter #14015).

Main Office

MAIN OFFICE Main Office

Type: Corporate Office

144 W ROUTE 38

Moorestown, NJ 08057-3223

Phone: (856) 235-2077

Services: Member Services

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Additional Branches

Camden

MOBILE - 2

Type: Branch Office

401 DELAWARE AVE

Camden, NJ 08102

Phone: (609) 313-1634

Services: None specified

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