BlastPoint's Credit Union Scorecard

GARDEN SAVINGS

Charter #18710 · NJ

100M-500M

1070 CUs in 100M-500M nationally 25 in NJ

GARDEN SAVINGS has 4 strengths but faces 8 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

+ Total Assets: Top 0.5% in tier
+ Total Deposits: Top 0.6% in tier
+ Total Loans: Top 1.1% in tier
+ Total Members: Top 5.9% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.31% below tier average
- Efficiency ratio 8.42% above tier (higher cost structure)
- Delinquency rate 0.56% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NJ)	National Avg	Tier Percentile
Members	30,558 -7.1% YoY-0.6% QoQ	+15.4K	15,145 -2.5% YoY	7,451 +5.5% YoY	33,913 +5.7% YoY	Top 6.0% in tier
Assets	$494.8M -3.4% YoY+0.4% QoQ	+$263.1M	$231.7M +0.8% YoY	$121.0M +5.7% YoY	$578.3M +9.0% YoY	Top 0.6% in tier
Loans	$359.9M -1.5% YoY+1.5% QoQ	+$215.8M	$144.1M +0.2% YoY	$75.7M +10.1% YoY	$402.4M +8.7% YoY	Top 1.2% in tier
Deposits	$434.6M -3.9% YoY+1.5% QoQ	+$233.4M	$201.1M +0.4% YoY	$104.6M +7.1% YoY	$494.3M +9.1% YoY	Top 0.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% -185.4% YoY-292.0% QoQ	-0.3%	0.7% +5.1% YoY	0.4% -4.8% YoY	0.4% -39.2% YoY	31%
NIM	3.5% +3.7% YoY+3.1% QoQ	-0.1%	3.6% +4.6% YoY	3.8% +4.3% YoY	3.8% +4.1% YoY	46%
Efficiency Ratio	86.4% -12.4% YoY-5.3% QoQ	+8.4%	78.0% -1.7% YoY	85.6% -4.2% YoY	84.6% +2.8% YoY	76%
Delinquency Rate	1.3% +39.7% YoY-3.4% QoQ	+0.6	0.8% +7.1% YoY	2.4% +59.8% YoY	1.2% +3.4% YoY	Bottom 14.0% in tier
Loan To Share	82.8% +2.5% YoY-0.0% QoQ	+12.4%	70.4% -0.4% YoY	51.7% -1.0% YoY	65.6% -1.4% YoY	75%
AMR	$25,999 +4.6% YoY+2.1% QoQ	+$1K	$24,918 +2.7% YoY	$16,671 +1.3% YoY	$19,920 +1.6% YoY	67%
CD Concentration	30.7% +0.6% YoY-2.2% QoQ	+6.4%	24.3%	14.5%	19.8%	50%
Indirect Auto %	6.9% +0.2% YoY-3.7% QoQ	-6.9%	13.8%	1.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Stagnation Risk

risk

#42 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -7.07%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.49%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.34%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#74 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -7.07%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#176 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.38% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Institutional Decline

decline

#63 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $494.78M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -7.07%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.49%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Efficiency Drag

risk

#549 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 86.44%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.90% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -7.07%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (6 metrics)

Total Assets

balance_sheet

Value: $494.78M

Peer Median: $196.57M

#6 of 1070 Top 0.5% in 100M-500M tier

Total Deposits

balance_sheet

Value: $434.58M

Peer Median: $171.29M

#7 of 1070 Top 0.6% in 100M-500M tier

Total Loans

balance_sheet

Value: $359.90M

Peer Median: $121.41M

#13 of 1070 Top 1.1% in 100M-500M tier

Total Members

engagement

Value: 30,558

Peer Median: 13,200

#64 of 1070 Top 5.9% in 100M-500M tier

261

Members Per Employee (MPE)

engagement

Value: 381.975

Peer Median: 309.176

#261 of 1070 Top 24.3% in 100M-500M tier

268

Loan-to-Share Ratio

balance_sheet

Value: 82.82%

Peer Median: 71.88%

#268 of 1070 Top 25.0% in 100M-500M tier

Top Weaknesses (6 metrics)

1016

Deposit Growth Rate

growth

Value: -3.91%

Peer Median: 3.30%

#1016 of 1070 Bottom 5.1% in 100M-500M tier

1014

Asset Growth Rate

growth

Value: -3.42%

Peer Median: 3.91%

#1014 of 1070 Bottom 5.3% in 100M-500M tier

1006

Member Growth Rate

growth

Value: -7.07%

Peer Median: -0.06%

#1006 of 1070 Bottom 6.1% in 100M-500M tier

1000

Net Worth Ratio

risk

Value: 8.44%

Peer Median: 11.45%

#1000 of 1070 Bottom 6.6% in 100M-500M tier

921

Total Delinquency Rate (60+ days)

risk

Value: 1.34%

Peer Median: 0.61%

#921 of 1070 Bottom 14.0% in 100M-500M tier

815

Efficiency Ratio

profitability

Value: 86.44%

Peer Median: 78.68%

#815 of 1070 Bottom 23.9% in 100M-500M tier