Side-by-side · Q2 2026 data
Financial Resources Federal Credit Union vs Garden Savings Federal Credit Union
Credit union
Financial Resources Federal Credit Union
Branchburg, New Jersey · $100 million – $1 billion
Credit union
Garden Savings Federal Credit Union
Parsippany, New Jersey · $100 million – $1 billion
Metric by metric
| Measure | Financial Resources Federal Credit Union | Garden Savings Federal Credit Union |
|---|---|---|
| TellerScore | 31 | 49 (stronger) |
| Capital cushion | 39 (stronger) | 34 |
| Loan quality | 0 | 57 (stronger) |
| Earnings | 31 (stronger) | 30 |
| Funding & liquidity | 64 | 74 (stronger) |
| Problem-loan coverage | 39 | 75 (stronger) |
| Peer percentile | 0th | 5th |
| Total assets | $659.0M | $495.5M |
| Deposits / shares | $589.6M | $423.3M |
| Capital ratio | 8.86% (stronger) | 8.45% |
| Problem loans | 3.35% | 1.29% (stronger) |
| Net charge-offs | 0.55% (stronger) | 0.63% |
| Return on assets | 0.28% (stronger) | 0.26% |
| Loans ÷ deposits | 88.2% | 85.9% (stronger) |
| Uninsured deposits | 22.2% | 2.4% (stronger) |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.9% | 45.5% |
Garden Savings Federal Credit Union has the higher TellerScore (49 vs 31). On the 7 directional measures above (where higher or lower is clearly better), Financial Resources Federal Credit Union leads on 3 and Garden Savings Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.