Side-by-side · Q2 2026 data
Garden Savings Federal Credit Union vs Proponent Federal Credit Union
Credit union
Garden Savings Federal Credit Union
Parsippany, New Jersey · $100 million – $1 billion
Metric by metric
| Measure | Garden Savings Federal Credit Union | Proponent Federal Credit Union |
|---|---|---|
| TellerScore | 49 | 70 (stronger) |
| Capital cushion | 34 | 95 (stronger) |
| Loan quality | 57 | 59 (stronger) |
| Earnings | 30 | 44 (stronger) |
| Funding & liquidity | 74 (stronger) | 65 |
| Problem-loan coverage | 75 | 84 (stronger) |
| Peer percentile | 5th | 51st |
| Total assets | $495.5M | $508.8M |
| Deposits / shares | $423.3M | $424.6M |
| Capital ratio | 8.45% | 14.49% (stronger) |
| Problem loans | 1.29% | 1.22% (stronger) |
| Net charge-offs | 0.63% | 0.30% (stronger) |
| Return on assets | 0.26% | 0.59% (stronger) |
| Loans ÷ deposits | 85.9% (stronger) | 95.3% |
| Uninsured deposits | 2.4% (stronger) | 7.7% |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 45.5% | 18.9% |
Proponent Federal Credit Union has the higher TellerScore (70 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Garden Savings Federal Credit Union leads on 2 and Proponent Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.