Side-by-side · Q2 2026 data
Lusitania Savings Bank vs Garden Savings Federal Credit Union
Credit union
Garden Savings Federal Credit Union
Parsippany, New Jersey · $100 million – $1 billion
Metric by metric
| Measure | Lusitania Savings Bank | Garden Savings Federal Credit Union |
|---|---|---|
| TellerScore | 86 (stronger) | 49 |
| Capital cushion | 100 (stronger) | 34 |
| Loan quality | 94 (stronger) | 57 |
| Earnings | 39 (stronger) | 30 |
| Funding & liquidity | 96 (stronger) | 74 |
| Problem-loan coverage | 99 (stronger) | 75 |
| Peer percentile | 90th | 5th |
| Total assets | $418.1M | $495.5M |
| Deposits / shares | $353.5M | $423.3M |
| Capital ratio | 14.97% (stronger) | 8.45% |
| Problem loans | 0.19% (stronger) | 1.29% |
| Net charge-offs | 0.00% (stronger) | 0.63% |
| Return on assets | 0.48% (stronger) | 0.26% |
| Loans ÷ deposits | 63.9% (stronger) | 85.9% |
| Uninsured deposits | 7.3% | 2.4% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | 45.5% |
Lusitania Savings Bank has the higher TellerScore (86 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Lusitania Savings Bank leads on 6 and Garden Savings Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.