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Credit union call report ยท Parsippany, NJ

Garden Savings Federal Credit Union Call Report

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Garden Savings Federal Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 476 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

Garden Savings Federal Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number18710
Federal Reserve RSSD ID199481

The official copy: search charter number 18710 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

Garden Savings Federal Credit Union call report, Q2 2026

Statement of Financial Condition (41 items)
Garden Savings Federal Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $7.2M
1c. Total Cash on Hand 730A $7.2M
2a. Cash on Deposit in Corporate Credit Unions 730B1 $300K
2b. Cash on Deposit in Federal Reserve Bank AS0003 $3.5M
2c. Cash on Deposit in Other Financial Institutions 730B2 $187K
2. Cash on Deposit (total) 730B $4.0M
3. Time Deposits in Banks and Credit Unions AS0007 $12.2M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $23.4M
8. Available-for-Sale Debt Securities AS0067 $86.1M
9. Held-to-Maturity Debt Securities AS0073 $2.2M
11. TOTAL INVESTMENT SECURITIES AS0013 $88.3M
12b. Perpetual Contributed Capital 769B $285K
12c. All Other Investments AS0016 $1.7M
13. TOTAL OTHER INVESTMENTS AS0017 $1.9M
15a. Number of Total Loans and Leases 025A 20,629
15b. Total Loans and Leases 025B $363.7M
17. ACL on Loans and Leases AS0048 $4.4M
18c. Foreclosed/Repossessed - Vehicles AS0024 $477K
18e. Foreclosed/Repossessed Assets (total) 798A $477K
19. Land and Building 007 $3.3M
20. Other Fixed Assets 008 $1.3M
21. NCUA Share Insurance Capitalization Deposit 794 $4.2M
22a. Goodwill 009D2 $300K
22c. Other Intangible Assets AS0032 $1.4M
22d. Accrued Interest on Loans 009A $1.6M
22e. Accrued Interest on Investments 009B $311K
22f. All Other Assets 009C $9.7M
22g. Total Other Assets AS0036 $13.3M
23. TOTAL ASSETS 010 $495.5M
Accounts Payable and Other Liabilities 825 $10.4M
Accrued Dividends and Interest Payable 820A $332K
ACL on Off-Balance-Sheet Exposures LI0003 $37K
Borrowings (total) 860C $26.0M
Member Shares of All Types 013 $400.1M
Nonmember Deposits 880 $23.1M
Total Shares and Deposits 018 $423.3M
Undivided Earnings 940 $27.0M
Other Reserves 658 $2.2M
Total Net Worth 997 $41.9M
Net Worth Ratio 998 8.45%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $495.5M
Statement of Income and Expense (26 items)
Garden Savings Federal Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $11.8M
3. Income from Investments 120 $1.6M
5. TOTAL INTEREST INCOME 115 $13.4M
6. Dividends on Shares 380 $4.2M
8. Interest on Borrowed Money 340 $360K
9. TOTAL INTEREST EXPENSE 350 $4.5M
10. NET INTEREST INCOME IS0010 $8.9M
12a. Credit Loss Expense - Loans and Leases IS0011 $855K
12d. Credit Loss Expense - Off-Balance-Sheet IS0016 $8K
12e. Total Credit Loss Expense IS0017 $863K
13. Fee Income 131 $1.0M
14. Other Operating Income IS0020 $670K
22. Other Non-Operating Income 440 $36K
23. TOTAL NON-INTEREST INCOME 117 $1.7M
24. Employee Compensation and Benefits 210 $4.1M
25. Travel and Conference 230 $98K
26. Office Occupancy 250 $491K
27. Office Operations 260 $1.2M
28. Educational and Promotional 270 $278K
29. Loan Servicing 280 $897K
30. Professional and Outside Services 290 $1.8M
31. Member Insurance 310 $46K
32. Operating Fees 320 $36K
33. Miscellaneous Operating Expense 360 $153K
34. TOTAL NON-INTEREST EXPENSE 671 $9.1M
35. NET INCOME 661A $644K
Statement pages - all other filed accounts (26 items)

delinquency (21%), credit cards (21%)

Garden Savings Federal Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $6.7M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $1.5M
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 6 to less than 12 months delinquent 022B $156K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 12 months and over delinquent 023B $446K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $74K
Loans Granted Year-to-Date 031A $1K
Amount of Loans Granted Year-to-Date 031B $69.3M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $4.7M
Number of current members (not number of accounts) 083 30,058
Number of potential members 084 595,750
Net Member Business Loan Balance 400A $3.3M
Non-Member Deposits 457 $15
Interest Rate of Unsecured Credit Card Loans 521 800.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,099.00%
Interest Rate of New Vehicle Loans 523 424.00%
Interest Rate of Used Vehicle Loans 524 1,023.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $3.7M
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $2.6M
Total Amount of All Other Shares 630 $1.3M
Amount of Regular Shares 657 $136.6M
Amount of Share Drafts 902 $79.5M
IRA/KEOGH Accounts - < 1 Year 906A $23.0M
Share Certificates - < 1 Year 908A $109.2M
Total Amount of Share Certificates 908C $133.1M
Total Amount of Money Market Shares 911 $20.7M
Number of Used Vehicle Loans 968 5,484
NCUA data file FS220A (30 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

Garden Savings Federal Credit Union, NCUA data file FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $370.2M
Total Shares - 1-3 Years 013B1 $27.0M
Total Shares - > 3 Years 013B2 $2.9M
Total Shares and Deposits - < 1 Year 018A $391.7M
Total Shares and Deposits - 1-3 Years 018B1 $28.7M
Total Shares and Deposits - > 3 Years 018B2 $2.9M
Number of Total Delinquent Loans & Leases (Two or more months) 041A 222
Amount of Delinquent Indirect Loans 041E $1.1M
Effective date of last audit 063 $122K
Amount of Used Vehicle Loans 370 $90.3M
Amount of New Vehicle Loans 385 $5.8M
Amount of Unsecured Credit Card Loans 396 $4.2M
Amount of All Other Unsecured Loans/Lines of Credit 397 $21.6M
Share Certificates 451 $3K
Number of Accounts for Share Drafts 452 14,820
IRA/KEOGH Accounts 453 $2K
Number of Accounts for Regular Shares 454 34,690
All other shares 455 $2K
Money Market Shares 458 $331
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 56,444
Number of credit union employees who are Full-Time (26 hours or more) 564A 75
Number of credit union employees who are Part-Time (25 hours or less per week) 564B 7
Dollar amount of loans with interest rates that exceed 15% (For FCUs Only) 567 $10.7M
Aggregate weighted average interest rate for the loans with interest rates that exceed 15% (For FCUs Only) 568 1,711.00%
Number of Outstanding Indirect Loans 617A 890
Total Amount of Outstanding Indirect Loans 618A $29.2M
Amount of real estate loans sold but serviced by the credit union 779A $3.4M
Total credit lines 881 $99.1M
Draws against lines of credit, less than 1 year 883A $26.0M
Draws against lines of credit, total amount 883C $26.0M
NCUA data file FS220B (32 items)

maturity and repricing buckets (40%), credit cards (17%)

Garden Savings Federal Credit Union, NCUA data file FS220B, Q2 2026
Line item Account Q2 2026
Amount of Delinquent Unsecured Credit Card Loans as of - 2 to less than 6 months delinquent 026B $90K
Number - Total Delinquent Credit Card Loans 045A 32
Total Amount of Delinquent Unsecured Credit Card Loans 045B $158K
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $10.1M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $10.1M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $413.2M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $122K
All other shares - < 1 Year 630A $1.3M
Amount of Regular Shares - < 1 Year 657A $136.6M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $81K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $4K
Fair value of Held to Maturity Securities 801 $2.2M
Total Borrowings - < 1 Year 860A $26.0M
Does you credit union maintain share/deposit insurance coverage other than the NCUSIF? 875 $1
Dollar amount of shares and/or deposits insured by the company named above 877 $19.0M
Non-Member Deposits - < 1 Year 880A $21.5M
Non-Member Deposits - 1-3 Years 880B1 $1.6M
Is your credit union a member of a Federal Home Loan Bank? 896 $1
Amount of Share Drafts - < 1 Year 902A $79.5M
IRA/KEOGH Accounts - 1-3 Years 906B1 $4.8M
IRA/KEOGH Accounts - > 3 Years 906B2 $1.2M
Total Amount of IRA/KEOGH Accounts 906C $29.0M
Share Certificates - 1-3 Years 908B1 $22.2M
Share Certificates - > 3 Years 908B2 $1.7M
Money Market Shares - < 1 Year 911A $20.7M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $3.5M
Number of New Vehicle Loans 958 257
Total Shares 966 $56K
Total of outstanding loan balances subject to bankruptcies identified in items 23a-c. 971 $461K
Number of Unsecured Credit Card Loans 993 3,275
Number of All Other Unsecured Loans/Lines of Credit 994 4,132
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 36
NCUA data file FS220C (11 items)

charge-offs and recoveries (27%), participation loans (18%)

Garden Savings Federal Credit Union, NCUA data file FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $1
Total Amount of Indirect Loans Charged Off Year-to-Date 550E $1.2M
Total Amount of All Participation Loans Charged Off Year-to-Date 550F $48K
Total Amount of All Year-to-Date Recoveries on Charged-Off Indirect Loans 551E $1.2M
Total Amount of All Year-to-Date Recoveries on Charged-Off Participation Loans 551F $32K
Number of credit union branches (include the main office if member services are conducted at that location) 566 7
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $91.9M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $13.9M
Amount of Participation Loans Purchased Year-to-Date 690 $8.1M
Amount of Participation Loans Sold Year-to-Date 691 $21K
Outstanding balance of brokered certificates of deposit and share certificates 788 $12.2M
NCUA data file FS220D (34 items)

member services and products offered (69%), CUSO relationships (27%)

Garden Savings Federal Credit Union, NCUA data file FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union provide member services through a credit union shared branch services center? 566A $1
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Financial Education 879B2 $1
Bilingual Services 879C1 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Credit Builder 879D1 $1
Mortgage Processing 879G $1
Approved Mortgage Seller 879H $1
Deposits and Shares Meeting 703.10(a) 879M $1
Brokered Certificates of Deposits 879N $1
Brokered Deposits (All deposits acquired through a third party) 879T $1
International Remittances 879V $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
New Share Account 887E $1
Loan Payments 887F $1
Bill Payment 887J $1
External or Third-Party Account Aggregation 887M $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
External Transfers/Payment ? ACH 887S $1
Remote Deposit Capture 887U $1
MobilePmts 887V $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Point-of-sale-Processing PI0012 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
CU offer Shared service network PP0058 $1
NCUA data file FS220G (8 items)

loans and leases (32%), participation loans (18%)

Garden Savings Federal Credit Union, NCUA data file FS220G, Q2 2026
Line item Account Q2 2026
Equity Acquired in Merger 658A $10.1M
Total Outstanding Amount of Participation Loans Purchased By Type 691L $61.3M
Outstanding Amount of Real Estate Participation Loans Purchased 691L2 $10.7M
Total Outstanding Amount of Participation Loans Sold By Type 691N $843K
Assets Pledged to Secure Borrowings 878 $84.2M
Total Credit Lines at Corporate Credit Unions 884 $10.3M
Current Quarter's Total Adjusted Retained Earnings acquired through Business Combinations 1004 $12.6M
Prior Quarter-End Adjusted Retained Earnings acquired through Business Combinations 1004A $12.6M
NCUA data file FS220H (12 items)

student loans (43%), delinquency (27%)

Garden Savings Federal Credit Union, NCUA data file FS220H, Q2 2026
Line item Account Q2 2026
Amount of Non-Federally Guaranteed Student Loans - 1 to <2 months 020T $36K
Amount of Non-Federally Guaranteed Student Loans - 2 to <6 months 021T $7K
Total Amount of Reportable Delinquency Non-Federally Guaranteed Student Loans 041T $29K
Total number of reportable Non-Federally Guaranteed Student Loans delinquent 053E $26
Non-Federally Guaranteed Student Loans YTD Charge Offs 550T $26K
Non-Federally Guaranteed Student Loans YTD Recoveries 551T $16K
Interest Rate on Non-Federally Guaranteed Student Loans 595A 711.00%
Outstanding Amount of Non-Federally Guaranteed Student Loans Participations Purchased 691L7 $5.7M
Outstanding Amount of Non-Federally Guaranteed Student Loans Participations Sold 691N7 $23K
Amount of Non-Federally Guaranteed Student Loans 698A $5.7M
Total Unfunded Commitments for all loan types 816A $96.7M
Number of Non-Federally Guaranteed Student Loans 963A 5,016
NCUA data file FS220I (16 items)

vehicle lending (59%), delinquency (44%)

Garden Savings Federal Credit Union, NCUA data file FS220I, Q2 2026
Line item Account Q2 2026
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $3.8M
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $22K
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $1.0M
Amount of Used Vehicle Loans Delinquent 180 to 359 days 022C2 $2K
Number of Reportable Delinquent New Vehicle Loans 035E1 2
Number of Reportable Delinquent Used Vehicle Loans 035E2 94
Amount of Reportable Delinquent New Vehicle Loans 041C1 $33K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $2.0M
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $2.9M
Amount of Used Vehicle Loans YTD Recoveries 551C2 $2.3M
Commercial Share Accounts 643 $6.9M
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $79K
Total Other Credit Lines 884D $9.5M
Draws Against LOCs from FHLB 885A3 $26.0M
Total Draws Againts LOCs 885A4 $26.0M
Number of International Remittances originated Year-to-Date 928 53
NCUA data file FS220J (2 items)

investment portfolio detail (33%), insured and uninsured shares (33%), derivatives (25%)

Garden Savings Federal Credit Union, NCUA data file FS220J, Q2 2026
Line item Account Q2 2026
Other Assets - Other Insurance 789E2 $4.6M
Amounts reported in the Asset section or deferred compensation plans of NCUA Rules and Regulations (if FCU), or similar state provisions (if SCU) 789G $4.6M
NCUA data file FS220L (43 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

Garden Savings Federal Credit Union, NCUA data file FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $21K
Total Amount of Loans & Leases on Loan Schedule 025B1 $363.7M
Total number of commercial loans to members granted or purchased YTD 090A1 $4
Total number of purchased commercial loans or participation interests to nonmembers purchased YTD 090B1 $5
Number of Member Unsecured Commercial Loans granted or purchased YTD 090C5 4
Number of purchased or participation interests in commercial loans secured by owner occupied non-farm, non- residential property to nonmembers purchased YTD 090H3 1
Total Number of purchased or participation interests in commercial loans secured by real estate to nonmembers YTD 090K3 $5
Number of purchased or participation interests in commercial loans secured by Multifamily property to nonmembers purchased YTD 090M1 4
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $101.3M
Total outstanding balance of commercial loans to members 400A1 $3.3M
Total outstanding balance of nonmember commercial loans 400B1 $26.0M
Outstanding balance of Unsecured Member Commercial Loans 400C5 $101K
Outstanding balance of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 400H2 $527K
Outstanding balance of purchased or participation interests in commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400H3 $11.7M
Outstanding balance of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 400J2 $2.4M
Outstanding balance of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 400J3 $7.0M
Outstanding balance of Member Commercial and Industrial loans 400L2 $63K
Outstanding balance of purchased or participation interests in Commercial and Industrial loans to nonmembers 400L3 $144K
Outstanding balance of member commercial loans Secured Multifamily Property 400M $221K
Outstanding balance of purchased or participation interests in commercial loans to nonmembers Secured by Multifamily Property 400M1 $7.2M
Amount of Commercial Loans/Lines of Credit Not Real Estate Secured 400P $307K
Outstanding balance of all member and non-member commercial loans 400T1 $29.3M
Total Dollar amount of member commercial loans granted or purchased YTD 475A1 $103K
Total Dollar amount of nonmember commercial loans purchased YTD 475B1 $6.2M
Dollar Amount of Member Unsecured Commercial Loans granted or purchased YTD 475C5 $103K
Dollar Amount of Purchased or participation interests in commercial loans to nonmembers Secured by Owner Occupied, Non-Farm, Non-Residential Property purchased YTD 475H3 $1.0M
Total Dollar amount of real estate secured commercial loans to nonmembers purchased YTD 475K3 $6.2M
Dollar Amount of Purchased or participation interests in commercial loans to nonmembers Secured by Multifamily Property purchased YTD 475M1 $5.2M
Interest Rate of Commercial Loans/Lines of Credit Real Estate Secured 525 545.00%
Interest Rate of Commercial Loans/Lines of Credit Not Real Estate Secured 526 597.00%
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 685.00%
Interest Rate of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 563A 474.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 432.00%
Number of Commercial Small Business Administration Loans Outstanding 691B1 1
Outstanding Balance of Commercial Small Business Administration Loans 691C1 $20K
Outstanding Amount of Commercial Loans Excluding C&D Participation Loans Purchased 691L8 $26.0M
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $2.9M
Amount of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 703A $102.6M
Total Outstanding Balance of real estate secured member commercial loans 718A3 $3.2M
Total Outstanding Balance of real estate secured nonmember commercial loans 718A4 $25.9M
Amount of Commercial Loans/Lines of Credit Real Estate Secured 718A5 $29.0M
Amount of Outstanding commercial participations sold but retained servicing (including unfunded commitments) 1061 $817K
Number of Outstanding commercial participations sold but retained servicing (including unfunded commitments) 1061A 2
NCUA data file FS220M (26 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

Garden Savings Federal Credit Union, NCUA data file FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $62.4M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $15.7M
Total Unfunded Commitments for Commercial Loans 814K $323K
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $1.1M
Total Other Unfunded Commitments (Non-Commercial) 816B5 $7.2M
Total Unfunded Commitments for Non-Commercial Loans 816T $96.4M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $9.9M
Total number of member commercial loans 900A1 $23
Total number of nonmember commercial loans 900B1 $27
Number of Member Unsecured Commercial Loans 900C5 9
Number of member commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property 900H2 5
Number of purchased or participation interests in commercial loans Secured by Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900H3 12
Number of member commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property 900J2 7
Number of purchased or participation interests in commercial loans Secured by Non-Owner Occupied, Non-Farm, Non-Residential Property to nonmembers 900J3 8
Total number of real estate secured member commercial loans 900K2 $13
Total number of real estate secured nonmember commercial loans 900K3 $26
Number of Commercial Loans/Lines of Credit Real Estate Secured 900K4 42
Number of Member Commercial and Industrial loans 900L2 1
Number of purchased or Participation Interest in Commercial and Industrial loans to nonmembers 900L3 1
Number of member commercial loans Secured by Multifamily Property 900M 1
Number of purchased or participation interests in commercial loans Secured by Multifamily Property to nonmembers 900M1 6
Number of Commercial Loans/Lines of Credit Not Real Estate Secured 900P 8
Total Number of Member and Nonmember commercial loans 900T1 $50
Number of Total Loans/Lines of Credit Secured by 1st Lien 1-4 Family Residential Properties 959A 444
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 1,767
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 204
NCUA data file FS220N (15 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

Garden Savings Federal Credit Union, NCUA data file FS220N, Q2 2026
Line item Account Q2 2026
Available-for-sale Debt Securities <=1 Year AS0062 $24.1M
Available-for-sale Debt Securities >1 and <=3 Years AS0063 $18.3M
Available-for-sale Debt Securities >3 and <=5 Years AS0064 $26.1M
Available-for-sale Debt Securities >5 and <= 10 Years AS0065 $16.9M
Available-for-sale Debt Securities > 10 Years AS0066 $705K
Held-to-Maturity Debt Securities >1 and <=3 Years AS0069 $501K
Held-to-Maturity Debt Securities >5 and <= 10 Years AS0071 $1.7M
Accumulated Unrealized Gains (Losses) on Available for Sale Debt Securities EQ0009 -$3.9M
Total Liabilities LI0069 $460.1M
(CECL) One-time Adjustment to Undivided Earnings for those credit unions that have adopted ASC topic 326 - Financial Instruments - Credit Losses NW0002 $143K
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $495.5M
(CECL) Purchase Price of PCD Loans acquired during the quarter PC0003 $119K
(CECL) Acquirer's Allowance for Credit Losses at Acquisition Date of PCD Loans acquired during the quarter PC0004 $1K
(CECL) Non-Credit Discount or Premium attributable to other factors for (PCD) Loans acquired during the quarter PC0005 $5K
(CECL) Par Value of PCD Loans acquired during the quarter PC0006 $7K
NCUA data file FS220P (46 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

Garden Savings Federal Credit Union, NCUA data file FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $505K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $142K
Loan Loss Information - YTD Charge Offs - All Other Secured Non-Real Estate Loans/Lines of Credit CH0015 $58K
Loan Loss Information - YTD Recoveries - All Other Secured Non-Real Estate Loans/Lines of Credit CH0016 $19K
Loan Loss Information - YTD Charge Offs - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien CH0019 $148K
Loan Loss Information - YTD Recoveries - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien CH0020 $129K
Whole or Partial Loans Purchased Under 701.23 - YTD Charge Offs CH0047 $302K
Whole or Partial Loans Purchased Under 701.23 - YTD Recoveries CH0048 $77K
Amount of real estate loans included in Accounts 718A3 and 718A4 above that contractually refinance, reprice, or mature within the next 5 years. CM0099 $19.1M
Unsecured Credit Card Loans DL0002 $68K
Non-Federally Guaranteed Student Loans DL0016 $21K
All Other Unsecured Loans/Lines of Credit DL0022 $173K
All Other Unsecured Loans/Lines of Credit DL0023 $85K
All Other Unsecured Loans/Lines of Credit DL0024 $117K
All Other Unsecured Loans/Lines of Credit DL0025 $27K
All Other Unsecured Loans/Lines of Credit DL0027 $230K
All Other Unsecured Loans/Lines of Credit - Total Number of Reportable Delinquent Loans DL0028 $41
New Vehicle Loans DL0030 $12K
Used Vehicle Loans DL0037 $903K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $53K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0052 $11K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $11K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $1
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0057 $562K
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0058 $1.2M
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0059 $192K
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0061 $324K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0062 $1.7M
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by 1st Lien DL0063 $6
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $2.0M
Delinquent Loans by Collateral Type - 60 - 89 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0065 $260K
Delinquent Loans by Collateral Type - 90 - 179 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0066 $37K
Delinquent Loans by Collateral Type - 180 - 359 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0067 $126K
Delinquent Loans by Collateral Type - >=360 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0068 $122K
Delinquent Loans by Collateral Type - Total Amount of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0069 $545K
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0070 $20
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $2.6M
Amount of reportable delinquency included in Total Delinquent Loans and Leases (Account 041B), that relates to: Participation Loans Purchased under 701.22 DL0142 $332K
Amount of reportable delinquency included in Total Delinquent Loans and Leases (Account 041B), that relates to: Whole or Partial Loans Purchased under 701.23 DL0144 $31K
Amount of Consumer Loans in Non-Accrual Status DL0145 $1.9M
Number of Indirect Loans - New and Used Vehicle Loans IN0001 749
Amount of Indirect Loans - New and Used Vehicle Loans IN0002 $25.0M
Number of Indirect Loans - Commercial Loans IN0005 7
Amount of Indirect Loans - Commercial Loans IN0006 $2.3M
Number of Indirect Loans - All Other Loans IN0007 134
Amount of Indirect Loans - All Other Loans IN0008 $2.0M
NCUA data file FS220Q (50 items)

investment portfolio detail (69%)

Garden Savings Federal Credit Union, NCUA data file FS220Q, Q2 2026
Line item Account Q2 2026
Borrowing Arrangements - Line of Credit Limit - Federal Home Loan Bank LQ0040 $79.3M
Borrowing Arrangements - Assets Pledged to Secure All Outstanding Borrowings - Federal Home Loan Bank LQ0043 $84.2M
Total Borrowings LQ0860 $26.0M
Available-for-sale Amortized Cost - US Government Obligations NV0003 $496K
Available-for-sale Fair Value - US Government Obligations NV0004 $498K
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0013 $500K
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0014 $496K
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0015 $48.3M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0016 $45.2M
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0017 $1K
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0018 $1K
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0019 $41.2M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Non-Debt Instruments - Guaranteed NV0020 $40.3M
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0021 $501K
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0022 $498K
Available-for-sale Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0023 $89.5M
Available-for-sale Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0024 $85.6M
Held-to-maturity Amortized Cost - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0073 $1.7M
Held-to-maturity Fair Value - Debt Securities Issued by Depositories, Banks, and Credit Unions NV0074 $1.7M
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $2.2M
Total Amortized Cost Available-for-Sale Debt Securities NV0083 $90.0M
Total Fair Value Available-for-Sale Debt Securities NV0084 $86.1M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $3.8M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $5.7M
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $2.6M
Investment Maturity Distribution - Time Deposits - Total NV0116 $12.2M
Investment Maturity Distribution - Available-for-Sale Debt Securities - Total NV0134 $86.1M
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $2.2M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - <=1 Year NV0141 $1.7M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >1-3 Years NV0142 $285K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $1.9M
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $29.6M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $24.8M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $28.7M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $18.6M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $705K
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $102.4M
RBC Total Equity RB0001 $39.4M
RBC Allowance for Credit Losses RB0002 $4.4M
RBC Total Additions RB0005 $4.4M
RBC Total Deductions RB0009 $5.9M
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $37.9M
RBC Risk-Based Capital Numerator RB0012 $37.9M
Participation Loans: Participations Purchased - Outstanding Balance - Amount - Vehicle - Non-commercial SL0036 $4.7M
Participation Loans: Participations Purchased - Purchased Year-To-Date - Amount - Non-Federally Guaranteed Student Loans SL0041 $300K
Participation Loans: Participations Sold - Sold Year-To-Date - Amount - Non-Federally Guaranteed Student Loans SL0043 $21K
Participation Loans: Participations Purchased - Purchased Year-To-Date - Amount - Commercial Loans excluding Construction & Development SL0049 $6.2M
Participation Loans: Participations Purchased - Outstanding Balance - Amount - All Other SL0056 $14.2M
Participation Loans: Participations Purchased - Purchased Year-To-Date - Amount - All Other SL0057 $1.5M
Participation Loans: Participations Sold - Retained Balance Outstanding - All Other SL0058 $821K
NCUA data file FS220R (48 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

Garden Savings Federal Credit Union, NCUA data file FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $90.2M
RBC Schedule Total Consumer Loans RB0060 $130.4M
RBC Schedule Total Commercial Loans RB0068 $29.3M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $4.4M
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $4.4M
RBC Schedule Total Loans RB0079 $359.3M
RBC Total for Risk Weighting Total Loans RB0081 -$4.4M
RBC Total Loans 0% Weight RB0082 -$4.4M
RBC Schedule Total Other Assets RB0088 $22.5M
RBC Total for Risk Weighting Other Assets RB0090 $5.9M
RBC Other Assets 0% Weight RB0091 $5.9M
RBC Total from Schedule On-Balance Sheet Assets RB0099 $495.5M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $1.6M
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $1.6M
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $495.5M
RBC Allowance for Credit Losses (Loans) RB0177 $4.4M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate > 15 Years RL0001 333.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate > 15 Years RL0002 76,682,822.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Fixed Rate > 15 Years RL0003 10,263,400.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Fixed Rate 15 Years or Less RL0004 58.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Fixed Rate 15 Years or Less RL0005 5,837,379.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0010 $7
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Balloon/Hybrid 5 Years or Less RL0011 $2.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Number of Loans Outstanding - Adjustable Rate RL0013 46.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Adjustable Rate RL0014 17,874,355.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Adjustable Rate RL0015 3,205,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount of Loans Outstanding - Total RL0016 $102.6M
1- to 4-Family Residential Property Loans/lines of Credit Secured by 1st Lien - Amount Granted YTD - Total RL0017 $13.5M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 460.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 35,849,745.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 9,483,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Open-end - Adjustable Rate RL0027 1,307.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Open-end - Adjustable Rate RL0028 65,409,670.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Open-end - Adjustable Rate RL0029 18,199,600.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $101.3M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $27.7M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $2K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $203.9M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $41.2M
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $88.1M
Total Shares SH0013 $400.1M
Total Shares and Deposits SH0018 $423.3M
Total Non-Member Deposits SH0880 $23.1M
Number of Outstanding Loans Purchased from Other Financial Institutions SL0018 326
Amount of Outstanding Loans Purchased from Other Financial Institutions SL0019 $5.6M
Number of Outstanding Loans Purchased from Other Sources SL0020 399
Amount of Outstanding Loans Purchased from Other Sources SL0021 $2.4M
Number of Outstanding Real Estate Loans Sold with Servicing Retained SL0030 12
NCUA data file FS220S (10 items)

member services and products offered (29%), HMDA and entity identifiers (24%)

Garden Savings Federal Credit Union, NCUA data file FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Unsecured personal loans PP0041 $1
Lead generation for new members PP0042 $1
Lead generation for share accounts PP0043 $1
Acquire participation loans PP0044 $1
Person-to-Person payments PP0045 $1
Communication PP0047 $1
Located in Metropolitan Statistical Area (MSA) PR0001 $1
home purchase loan or refinanced a home purchase loan PR0002 $1
Originated closed-end mortgages in each of the two preceding calendar years or originated open-end lines of credit in each of the two preceding calendar years in excess of the HMDA Loan-Volume Threshold? PR0003 $1

Garden Savings Federal Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the Garden Savings Federal Credit Union call report?

The Garden Savings Federal Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does Garden Savings Federal Credit Union file?

Garden Savings Federal Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the Garden Savings Federal Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for Garden Savings Federal Credit Union is 18710.

How often does Garden Savings Federal Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

Garden Savings Federal Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.