Side-by-side · Q2 2026 data
N.J.T. Employees Federal Credit Union vs Garden State Federal Credit Union
Credit union
N.J.T. Employees Federal Credit Union
Waldwick, New Jersey · Under $100 million in assets
Credit union
Garden State Federal Credit Union
Moorestown, New Jersey · Under $100 million in assets
Metric by metric
| Measure | N.J.T. Employees Federal Credit Union | Garden State Federal Credit Union |
|---|---|---|
| TellerScore | 66 (stronger) | 54 |
| Capital cushion | 62 | 64 (stronger) |
| Loan quality | 71 (stronger) | 22 |
| Earnings | 26 | 47 (stronger) |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 97 (stronger) | 73 |
| Peer percentile | 32nd | 13th |
| Total assets | $39.5M | $37.5M |
| Deposits / shares | $34.6M | $33.3M |
| Capital ratio | 11.23% | 11.44% (stronger) |
| Problem loans | 0.87% (stronger) | 2.33% |
| Net charge-offs | 0.74% (stronger) | 1.15% |
| Return on assets | 0.14% | 0.67% (stronger) |
| Loans ÷ deposits | 20.6% (stronger) | 75.5% |
| Uninsured deposits | 3.7% (stronger) | 5.1% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
N.J.T. Employees Federal Credit Union has the higher TellerScore (66 vs 54). On the 7 directional measures above (where higher or lower is clearly better), N.J.T. Employees Federal Credit Union leads on 5 and Garden State Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.