BlastPoint's Credit Union Scorecard
GARDEN SAVINGS
Charter #18710 · NJ
GARDEN SAVINGS has 10 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 1.9% in tier
- + Strong member growth: 24.2% YoY
- + Total Assets: Top 0.6% in tier
- + Total Deposits: Top 0.8% in tier
- + Member Growth Rate: Top 1.4% in tier
- + Total Loans: Top 1.6% in tier
- + Deposit Growth Rate: Top 2.3% in tier
- + Asset Growth Rate: Top 3.7% in tier
- + Total Members: Top 6.2% in tier
- + Loan Growth Rate: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 17.6% in tier
- - Shrinking Wallet Share: Bottom 20.3% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 71.9% in tier
- - ROA 0.98% below tier average
- - Efficiency ratio 14.28% above tier (higher cost structure)
- - Delinquency rate 0.49% above tier average
- - AMR Growth Rate: Bottom 3.4% in tier
- - Net Worth Ratio: Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
30,733
+24.2% YoY-2.4% QoQ
|
+15.3K |
15,437
-2.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
Top 6.3% in tier |
| Assets |
$492.7M
+14.7% YoY-1.2% QoQ
|
+$260.9M |
$231.9M
+1.3% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
Top 0.7% in tier |
| Loans |
$354.5M
+15.2% YoY-1.2% QoQ
|
+$207.2M |
$147.3M
-0.1% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
Top 1.7% in tier |
| Deposits |
$428.1M
+17.9% YoY-1.0% QoQ
|
+$227.3M |
$200.8M
+0.8% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
Top 0.9% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.2%
-68.4% YoY-37.0% QoQ
|
-1.0% |
0.8%
+18.2% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.4% in tier |
| NIM |
3.4%
+25.4% YoY+2.8% QoQ
|
-0.2% |
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
39% |
| Efficiency Ratio |
91.3%
-9.1% YoY-2.5% QoQ
|
+14.3% |
77.0%
-3.1% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Top 7.9% in tier |
| Delinquency Rate |
1.4%
+17.9% YoY+27.9% QoQ
|
+0.5 |
0.9%
+4.2% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
83% |
| Loan To Share |
82.8%
-2.3% YoY-0.2% QoQ
|
+10.6% |
72.2%
-1.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$25,464
-6.1% YoY+1.4% QoQ
|
+$788 |
$24,676
+3.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
65% |
| CD Concentration |
31.3%
-8.9% YoY+0.9% QoQ
|
+6.9% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % |
7.2%
-7.4% YoY-0.3% QoQ
|
-6.6% | 13.8% | 1.0% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)