Side-by-side · Q2 2026 data
Garden Savings Federal Credit Union vs Credit Union of New Jersey, a
Credit union
Garden Savings Federal Credit Union
Parsippany, New Jersey · $100 million – $1 billion
Metric by metric
| Measure | Garden Savings Federal Credit Union | Credit Union of New Jersey, a |
|---|---|---|
| TellerScore | 49 | 72 (stronger) |
| Capital cushion | 34 | 56 (stronger) |
| Loan quality | 57 | 69 (stronger) |
| Earnings | 30 | 94 (stronger) |
| Funding & liquidity | 74 (stronger) | 71 |
| Problem-loan coverage | 75 | 85 (stronger) |
| Peer percentile | 5th | 57th |
| Total assets | $495.5M | $512.8M |
| Deposits / shares | $423.3M | $441.4M |
| Capital ratio | 8.45% | 10.60% (stronger) |
| Problem loans | 1.29% | 0.93% (stronger) |
| Net charge-offs | 0.63% (stronger) | 0.71% |
| Return on assets | 0.26% | 1.84% (stronger) |
| Loans ÷ deposits | 85.9% (stronger) | 89.7% |
| Uninsured deposits | 2.4% (stronger) | 4.1% |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 45.5% | — |
Credit Union of New Jersey, a has the higher TellerScore (72 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Garden Savings Federal Credit Union leads on 3 and Credit Union of New Jersey, a on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.