Credit union · NCUA insured
Garden State Federal Credit Union
A $37M credit union headquartered in Moorestown, NJ, with 3,217 members and 1 branch in New Jersey. Best rates: savings 0.20% APY.
Garden State Federal Credit Union Carrot Score
68
Carrot Score
Higher than 21% of U.S. banks and credit unions
#88 of 118 in Philadelphia, PA-NJ-DE-MD metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Garden State Federal Credit Union
- Headquarters
- 144 W Route 38, Moorestown, NJ 08057-3223
- NCUA charter
- 14015
Branches
1 branch in New Jersey
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New Jersey
1 branch
- Main OfficeMain office144 W State Highway 38, Moorestown, NJ 08057Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.44% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 2.33% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.67% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $76 | $59 | — |
- CapitalNet worth ratio11.44%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late2.33%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.67%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$76Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Garden State Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.