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GARDEN STATE FEDERAL CREDIT UNION

Sep, 30, 2021 — GARDEN STATE FEDERAL CREDIT UNION is a federal credit union headquartered in MOORESTOWN, NJ with 2 branch locations and about $39.08 million in total assets. Opened 62 years ago in 1960, GARDEN STATE FEDERAL CREDIT UNION has about 3,820 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:3,820
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, 2020
FHLB Member:Yes
Low Income Designation:No
Assets:$39,084,822
CEO/Manager:Paul J Ladd
Chairperson:MARK PASTORIZA

Call Report

  • Payday Alternative Loans (PAL Loans)
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 5,594,754
TOTAL INVESTMENTS 12,733,591
Loans Held for Sale 162,000
 
 Real Estate Loans 13,603,054
 Unsecured Loans 2,251,781
 Other Loans 4,430,512
 TOTAL LOANS 20,285,347
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -193,741
 Land And Building 0
 Other Fixed Assets 0
 NCUSIF Deposit 333,408
 All Other Assets 169,463
  TOTAL ASSETS 39,084,822
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 377,046
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 4,948,914
 Regular shares 16,517,586
 All Other Shares & Deposits 13,908,187
  TOTAL SHARES & DEPOSITS 35,374,687
  TOTAL LIABILITIES 35,751,733
 Regular Reserve 0
 Other Reserves 2,797,812
 Undivided Earnings 535,277
  TOTAL EQUITY 3,333,089
  TOTAL LIABILITIES, SHARES, & EQUITY 39,084,822
INCOME & EXPENSE  
 Loan Income 876,236
 Investment Income 111,915
 Other Income 219,705
 Total Employee Compensation & Benefits 0
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 1,180,898
 Non-operating Income & (Expense) -1,689
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 80,000
 Cost of Funds 54,887
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 72,630
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