Side-by-side · Q2 2026 data
Garden State Federal Credit Union vs Postal Employees Credit Union
Credit union
Garden State Federal Credit Union
Moorestown, New Jersey · Under $100 million in assets
Metric by metric
| Measure | Garden State Federal Credit Union | Postal Employees Credit Union |
|---|---|---|
| TellerScore | 54 | 72 (stronger) |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 22 | 71 (stronger) |
| Earnings | 47 (stronger) | 0 |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 73 | 97 (stronger) |
| Peer percentile | 13th | 44th |
| Total assets | $37.5M | $35.7M |
| Deposits / shares | $33.3M | $29.5M |
| Capital ratio | 11.44% | 15.32% (stronger) |
| Problem loans | 2.33% | 0.87% (stronger) |
| Net charge-offs | 1.15% | 0.27% (stronger) |
| Return on assets | 0.67% (stronger) | -3.05% |
| Loans ÷ deposits | 75.5% | 37.0% (stronger) |
| Uninsured deposits | 5.1% | 0.5% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Postal Employees Credit Union has the higher TellerScore (72 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Garden State Federal Credit Union leads on 1 and Postal Employees Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.