BlastPoint's Credit Union Scorecard

GARDEN SAVINGS

Charter #18710 · NJ

1077 CUs in 100M-500M nationally 25 in NJ

GARDEN SAVINGS has 10 strengths but faces 9 concerns

National Analysis

How does the industry compare?
NJ Analysis

How does NJ stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 0.6% in tier
  • + Strong member growth: 26.3% YoY
  • + Total Assets: Top 0.1% in tier
  • + Total Deposits: Top 0.4% in tier
  • + Total Loans: Top 1.3% in tier
  • + Member Growth Rate: Top 1.7% in tier
  • + Deposit Growth Rate: Top 2.8% in tier
  • + Asset Growth Rate: Top 3.6% in tier
  • + Total Members: Top 5.9% in tier
  • + Loan Growth Rate: Top 6.6% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 4.2% in tier
  • - Efficiency Drag: Bottom 14.5% in tier
  • - Growth-at-Risk: Bottom 17.2% in tier
  • - Credit Quality Pressure: Bottom 28.8% in tier
  • - ROA 1.13% below tier average
  • - Efficiency ratio 16.35% above tier (higher cost structure)
  • - Delinquency rate 0.22% above tier average
  • - AMR Growth Rate: Bottom 3.1% in tier
  • - Net Worth Ratio: Bottom 5.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NJ) National Avg Tier Percentile
Members 31,495
+26.3% YoY-1.4% QoQ
 +15.9K 15,628
-3.4% YoY
 7,324
+5.9% YoY
 33,089
+6.1% YoY
 Top 6.0% in tier
Assets $498.8M
+14.4% YoY-1.9% QoQ
 +$267.5M $231.3M
-0.0% YoY
 $116.8M
+7.2% YoY
 $547.7M
+7.8% YoY
 Top 0.2% in tier
Loans $358.8M
+15.5% YoY-0.4% QoQ
 +$211.0M $147.8M
-1.4% YoY
 $73.2M
+8.5% YoY
 $388.7M
+8.6% YoY
 Top 1.4% in tier
Deposits $432.5M
+19.3% YoY-2.7% QoQ
 +$232.2M $200.3M
-0.0% YoY
 $98.4M
+6.8% YoY
 $464.6M
+9.3% YoY
 Top 0.5% in tier
ROA -0.3%
+111.6% YoY-34.6% QoQ
 -1.1% 0.8%
+15.5% YoY
 0.5%
+264.7% YoY
 0.7%
+273.4% YoY
 Bottom 2.7% in tier
NIM 3.3%
+23.2% YoY+5.0% QoQ
 -0.2% 3.6%
+6.9% YoY
 3.8%
+6.0% YoY
 3.7%
+5.0% YoY
 34%
Efficiency Ratio 93.6%
+5.3% YoY-6.2% QoQ
 +16.4% 77.3%
-3.0% YoY
 84.8%
-21.5% YoY
 79.1%
-3.3% YoY
 Top 5.9% in tier
Delinquency Rate 1.1%
+0.8% YoY+13.4% QoQ
 +0.2 0.9%
+7.6% YoY
 1.9%
+8.8% YoY
 1.2%
-0.9% YoY
 74%
Loan To Share 83.0%
-3.2% YoY+2.4% QoQ
 +10.3% 72.7%
-1.5% YoY
 53.7%
-2.5% YoY
 68.0%
-1.7% YoY
 70%
AMR $25,123
-6.9% YoY-0.3% QoQ
 +$760 $24,363
+2.9% YoY
 $15,980
-4.9% YoY
 $19,418
+1.3% YoY
 65%
CD Concentration 31.1%
-8.5% YoY+0.5% QoQ
 +6.7% 24.4%
+4.2% YoY
 14.2%
+4.6% YoY
 19.6%
+6.2% YoY
 50%
Indirect Auto % 7.2%
-9.4% YoY+1.6% QoQ
 -6.7% 14.0%
-5.8% YoY
 0.9%
-16.1% YoY
 7.9%
-2.9% YoY
 50%

Signature Analysis

Strengths (1)

Organic Growth Leader

growth
#9 of 430 • Top 0.6% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 26.28%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Concerns (4)

Shrinking Wallet Share

decline
#43 of 244 • Bottom 4.2% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -6.90%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Efficiency Drag

risk
#256 of 521 • Bottom 14.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 93.63%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.18% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 26.28%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Growth-at-Risk

risk
#258 of 446 • Bottom 17.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 15.49%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.01% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk
#714 of 736 • Bottom 28.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.01% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

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)

Comparing against 1077 peers in tier

Top Strengths (8 metrics)

2
Total Assets
balance_sheet
Value: $498.76M
Peer Avg: $231.30M
#2 of 1077 Top 0.1% in 100M-500M tier
5
Total Deposits
balance_sheet
Value: $432.49M
Peer Avg: $200.29M
#5 of 1077 Top 0.4% in 100M-500M tier
15
Total Loans
balance_sheet
Value: $358.77M
Peer Avg: $147.80M
#15 of 1077 Top 1.3% in 100M-500M tier
19
Member Growth Rate
growth
Value: 26.28%
Peer Avg: 0.72%
#19 of 1077 Top 1.7% in 100M-500M tier
31
Deposit Growth Rate
growth
Value: 19.34%
Peer Avg: 4.69%
#31 of 1077 Top 2.8% in 100M-500M tier
40
Asset Growth Rate
growth
Value: 14.38%
Peer Avg: 4.70%
#40 of 1077 Top 3.6% in 100M-500M tier
65
Total Members
engagement
Value: 31,495
Peer Avg: 15,628
#65 of 1077 Top 5.9% in 100M-500M tier
72
Loan Growth Rate
growth
Value: 15.49%
Peer Avg: 3.45%
#72 of 1077 Top 6.6% in 100M-500M tier

Top Weaknesses (6 metrics)

1048
Return on Assets (ROA)
profitability
Value: -0.34%
Peer Avg: 0.79%
#1048 of 1077 Bottom 2.8% in 100M-500M tier
1045
AMR Growth Rate
growth
Value: -6.90%
Peer Avg: 3.64%
#1045 of 1077 Bottom 3.1% in 100M-500M tier
1018
Net Worth Ratio
risk
Value: 8.23%
Peer Avg: 12.15%
#1018 of 1077 Bottom 5.6% in 100M-500M tier
1014
Efficiency Ratio
profitability
Value: 93.63%
Peer Avg: 77.28%
#1014 of 1077 Bottom 5.9% in 100M-500M tier
926
Net Charge-Off Rate
risk
Value: 0.84%
Peer Avg: 0.47%
#926 of 1077 Bottom 14.1% in 100M-500M tier
812
Share Certificate Concentration (%)
balance_sheet
Value: 31.07%
Peer Avg: 23.61%
#812 of 1077 Bottom 24.7% in 100M-500M tier
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