Garden State
Garden State is a credit union based in Moorestown, New Jersey, established in 1960, with $37 million in total assets serving 3,217 members. By Trust Grade it ranks 39th of 127 credit unions we track in New Jersey. Its net worth ratio of 11.4% trails most similarly sized credit unions (28th percentile), versus a New Jersey median of 13.9%. It was profitable over the most recent period, with a 0.60% return on assets. No consumer complaints against Garden State appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Garden State compares to New Jersey peers
How we graded Garden State
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.4% capital ratio)
- Profitable (ROA 0.60%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Garden State over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Garden State insured?
Yes. Garden State is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Garden State: frequently asked questions
Is Garden State a good credit union?
Garden State earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Strongly capitalized (11.4% capital ratio); Profitable (ROA 0.60%).
Is Garden State NCUA-insured?
Yes. Garden State is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Garden State?
Garden State holds $37 million in total assets, ranking 39th of 127 credit unions we track in New Jersey. It serves 3,217 members.
Does Garden State have CFPB complaints?
No CFPB complaints against Garden State appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
