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GARDEN STATE FEDERAL CREDIT UNION

Dec, 31, 2023 — GARDEN STATE FEDERAL CREDIT UNION is a federal credit union headquartered in MOORESTOWN, NJ with 2 branch locations and about $39.12 million in total assets. Opened 64 years ago in 1960, GARDEN STATE FEDERAL CREDIT UNION has about 3,600 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)
144 W ROUTE 38
MOORESTOWN, NJ 08057-3223
Phone:(856) 235-2077
Fax:(856) 235-2904
Website:https://gardenstatefcu.org
Branches:2 branch locations
Members:3,600
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, 2022
FHLB Member:Yes
Low Income Designation:No
Assets:$39,118,242
CEO/Manager:Paul J Ladd
Chairperson:MARK PASTORIZA

Call Report

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

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 229,545
TOTAL INVESTMENTS 0
Loans Held for Sale 0
 
 Real Estate Loans 15,748,892
 Unsecured Loans 3,373,135
 Other Loans 6,853,167
 TOTAL LOANS 25,975,194
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -265,467
 Land And Building 0
 Other Fixed Assets 0
 NCUSIF Deposit 344,729
 All Other Assets 0
  TOTAL ASSETS 39,118,242
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 222,909
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 5,130,293
 Regular shares 15,814,494
 All Other Shares & Deposits 15,097,193
  TOTAL SHARES & DEPOSITS 36,041,979
  TOTAL LIABILITIES 36,264,888
 Regular Reserve 0
 Other Reserves 2,070,675
 Undivided Earnings 782,679
  TOTAL EQUITY 2,853,354
  TOTAL LIABILITIES, SHARES, & EQUITY 39,118,242
INCOME & EXPENSE  
 Loan Income 1,672,258
 Investment Income 247,242
 Other Income 342,373
 Total Employee Compensation & Benefits 0
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 1,800,878
 Non-operating Income & (Expense) 353
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 180,778
 Cost of Funds 316,584
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 120,374
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