Side-by-side · Q2 2026 data
Garden Savings Federal Credit Union vs Division 819 Transit Employees Credit Union
Credit union
Garden Savings Federal Credit Union
Parsippany, New Jersey · $100 million – $1 billion
Credit union
Division 819 Transit Employees Credit Union
Irvington, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Garden Savings Federal Credit Union | Division 819 Transit Employees Credit Union |
|---|---|---|
| TellerScore | 49 | 88 (stronger) |
| Capital cushion | 34 | 100 (stronger) |
| Loan quality | 57 | 66 (stronger) |
| Earnings | 30 | 83 (stronger) |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 75 | 96 (stronger) |
| Peer percentile | 5th | 85th |
| Total assets | $495.5M | $16.7M |
| Deposits / shares | $423.3M | $13.7M |
| Capital ratio | 8.45% | 17.89% (stronger) |
| Problem loans | 1.29% | 1.02% (stronger) |
| Net charge-offs | 0.63% (stronger) | 1.73% |
| Return on assets | 0.26% | 1.56% (stronger) |
| Loans ÷ deposits | 85.9% | 42.6% (stronger) |
| Uninsured deposits | 2.4% | 0.0% (stronger) |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 45.5% | — |
Division 819 Transit Employees Credit Union has the higher TellerScore (88 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Garden Savings Federal Credit Union leads on 1 and Division 819 Transit Employees Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.