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GARDEN STATE FEDERAL CREDIT UNION

Mar, 31, 2021 — GARDEN STATE FEDERAL CREDIT UNION is a federal credit union headquartered in MOORESTOWN, NJ with 2 branch locations and about $38.54 million in total assets. Opened 61 years ago in 1960, GARDEN STATE FEDERAL CREDIT UNION has about 3,814 members offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


Name:GARDEN STATE FEDERAL CREDIT UNION
Address:
(Main Office)
PO BOX 680
MOORESTOWN, NJ 08057
Phone:(856) 235-2077
Fax:(856) 235-2904
Website:http://gardenstatefcu.org
Branches:2 branch locations
Members:3,814
Credit Union Type:Federal Credit Union
Charter Number:14015
Membership Type:Multiple common bond - Primarily communications and utilities
Corporate Credit Union:No
Year Opened:1960
Last Audited:Dec 01, 2019
FHLB Member:Yes
Low Income Designation:No
Assets:$38,536,884
CEO/Manager:Paul J Ladd
Chairperson:MARK PASTORIZA

Call Report

  • Direct Financing Leases
  • Overdraft Lines of Credit
  • Participation Loans
  • Real Estate Loans
  • Risk Based Loans
  • Share Secured Credit Cards
  • Payday Alternative Loans (PAL Loans)
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 3,941,443
TOTAL INVESTMENTS 12,388,864
Loans Held for Sale 368,980
 
 Real Estate Loans 14,931,726
 Unsecured Loans 2,378,063
 Other Loans 3,984,468
 TOTAL LOANS 21,294,257
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -126,257
 Land And Building 0
 Other Fixed Assets 0
 NCUSIF Deposit 276,554
 All Other Assets 393,043
  TOTAL ASSETS 38,536,884
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 79,958
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 5,408,455
 Regular shares 16,268,816
 All Other Shares & Deposits 13,433,206
  TOTAL SHARES & DEPOSITS 35,110,477
  TOTAL LIABILITIES 35,190,435
 Regular Reserve 0
 Other Reserves 2,850,679
 Undivided Earnings 495,770
  TOTAL EQUITY 3,346,449
  TOTAL LIABILITIES, SHARES, & EQUITY 38,536,884
INCOME & EXPENSE  
 Loan Income 293,186
 Investment Income 36,804
 Other Income 64,548
 Total Employee Compensation & Benefits 0
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 391,912
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 15,000
 Cost of Funds 21,155
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 33,121
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