Side-by-side · Q2 2026 data
Garden Savings Federal Credit Union vs Local 1233 Federal Credit Union
Credit union
Garden Savings Federal Credit Union
Parsippany, New Jersey · $100 million – $1 billion
Credit union
Local 1233 Federal Credit Union
Newark, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Garden Savings Federal Credit Union | Local 1233 Federal Credit Union |
|---|---|---|
| TellerScore | 49 | 88 (stronger) |
| Capital cushion | 34 | 100 (stronger) |
| Loan quality | 57 | 91 (stronger) |
| Earnings | 30 | 53 (stronger) |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 75 | 99 (stronger) |
| Peer percentile | 5th | 85th |
| Total assets | $495.5M | $14.1M |
| Deposits / shares | $423.3M | $11.5M |
| Capital ratio | 8.45% | 17.87% (stronger) |
| Problem loans | 1.29% | 0.27% (stronger) |
| Net charge-offs | 0.63% | 0.31% (stronger) |
| Return on assets | 0.26% | 0.82% (stronger) |
| Loans ÷ deposits | 85.9% | 49.1% (stronger) |
| Uninsured deposits | 2.4% (stronger) | 2.7% |
| Offices | 7 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 45.5% | — |
Local 1233 Federal 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 Local 1233 Federal 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.