Side-by-side · Q2 2026 data
First Harvest Federal Credit Union vs Garden Savings Federal Credit Union
Credit union
First Harvest Federal Credit Union
Deptford, New Jersey · $100 million – $1 billion
Credit union
Garden Savings Federal Credit Union
Parsippany, New Jersey · $100 million – $1 billion
Metric by metric
| Measure | First Harvest Federal Credit Union | Garden Savings Federal Credit Union |
|---|---|---|
| TellerScore | 53 (stronger) | 49 |
| Capital cushion | 30 | 34 (stronger) |
| Loan quality | 68 (stronger) | 57 |
| Earnings | 34 (stronger) | 30 |
| Funding & liquidity | 78 (stronger) | 74 |
| Problem-loan coverage | 82 (stronger) | 75 |
| Peer percentile | 9th | 5th |
| Total assets | $484.5M | $495.5M |
| Deposits / shares | $427.1M | $423.3M |
| Capital ratio | 8.01% | 8.45% (stronger) |
| Problem loans | 0.96% (stronger) | 1.29% |
| Net charge-offs | 0.35% (stronger) | 0.63% |
| Return on assets | 0.35% (stronger) | 0.26% |
| Loans ÷ deposits | 82.5% (stronger) | 85.9% |
| Uninsured deposits | 4.4% | 2.4% (stronger) |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 36.8% | 45.5% |
First Harvest Federal Credit Union has the higher TellerScore (53 vs 49). On the 7 directional measures above (where higher or lower is clearly better), First Harvest Federal Credit Union leads on 5 and Garden Savings Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.