Side-by-side · Q2 2026 data
Picatinny Federal Credit Union vs Garden Savings Federal Credit Union
Credit union
Garden Savings Federal Credit Union
Parsippany, New Jersey · $100 million – $1 billion
Metric by metric
| Measure | Picatinny Federal Credit Union | Garden Savings Federal Credit Union |
|---|---|---|
| TellerScore | 65 (stronger) | 49 |
| Capital cushion | 44 (stronger) | 34 |
| Loan quality | 77 (stronger) | 57 |
| Earnings | 40 (stronger) | 30 |
| Funding & liquidity | 100 (stronger) | 74 |
| Problem-loan coverage | 92 (stronger) | 75 |
| Peer percentile | 34th | 5th |
| Total assets | $459.1M | $495.5M |
| Deposits / shares | $401.8M | $423.3M |
| Capital ratio | 9.42% (stronger) | 8.45% |
| Problem loans | 0.70% (stronger) | 1.29% |
| Net charge-offs | 0.20% (stronger) | 0.63% |
| Return on assets | 0.50% (stronger) | 0.26% |
| Loans ÷ deposits | 60.0% (stronger) | 85.9% |
| Uninsured deposits | 10.3% | 2.4% (stronger) |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 23.8% | 45.5% |
Picatinny Federal Credit Union has the higher TellerScore (65 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Picatinny Federal Credit Union 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.