Side-by-side · Q2 2026 data
Public Service Federal Credit Union vs Garden State Federal Credit Union
Credit union
Public Service Federal Credit Union
Middlesex, 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 | Public Service Federal Credit Union | Garden State Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 54 |
| Capital cushion | 100 (stronger) | 64 |
| Loan quality | 59 (stronger) | 22 |
| Earnings | 73 (stronger) | 47 |
| Funding & liquidity | 100 (stronger) | 85 |
| Problem-loan coverage | 95 (stronger) | 73 |
| Peer percentile | 75th | 13th |
| Total assets | $40.4M | $37.5M |
| Deposits / shares | $33.9M | $33.3M |
| Capital ratio | 15.91% (stronger) | 11.44% |
| Problem loans | 1.24% (stronger) | 2.33% |
| Net charge-offs | -0.25% (stronger) | 1.15% |
| Return on assets | 1.33% (stronger) | 0.67% |
| Loans ÷ deposits | 39.2% (stronger) | 75.5% |
| Uninsured deposits | 0.0% (stronger) | 5.1% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Public Service Federal Credit Union has the higher TellerScore (84 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Public Service Federal Credit Union leads on 7 and Garden State Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.