Federal credit union · Somerset, New Jersey · NCUA charter #12175
P S E
Health score 74/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 74
- Health / 100
- $12.4M
- Total assets
- 1,318
- Members
- 14.2%
- Net-worth ratio
P S E scores 74/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.4M; members 1,318; net-worth ratio 14.21%; health rank #3,325 of 4,374; healthier than 23rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,325 of 4,374 health · 2025Q4P S E · health 74/100 · $12.4M · 2025Q4
Call Report peers
P S E in the assets neighbourhood
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P S E vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); P S E sits in 70-74 with 317 others.
74 23rd percentile higher than 23% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for P S E
- Loan-to-Share Ratio leads the peer set - 70.65% here, 59.80% peer average (+10.85 pp).
- Largest lag: Delinquency Rate at 2.78% vs peer 1.15% (+1.63 pp).
P S E in New Jersey
- Health composite ranks #63 of 127 among scored New Jersey credit unions.
- By total assets, P S E is #76 of 127 in New Jersey.
- Membership ranks #75 of 127 among New Jersey CUs with a reported count (1,318 members).
- One place up in New Jersey, METREX (#62) ties at 74/100; one place down, Paterson Police (#64) scores 73/100, 1 point lower.
How P S E's 5300 filing moved
P S E: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.5% from $12.4M (2025Q4) to $13.0M (2026Q1).
- Net-worth ratio shifted -0.74 pp (14.95% → 14.21%).
At 14.21%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 74/100 score is built
P S E gives up 26 points in total. Delinquency Rate costs the most, 17.4 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 7.6 pts
- Return on Assets 9.4 pts
- Member Growth 12.1 pts
- Loan-to-Share Ratio 14.9 pts
P S E vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.21% | -0.65 pp |
| Delinquency Rate | 2.78% | +1.63 pp |
| Return on Assets | 0.13% | -0.58 pp |
| Member Growth | 2.57% | - |
| Loan-to-Share Ratio | 70.65% | +10.85 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
P S E filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.0M | - |
| 2025Q4 | $12.4M | 1,318 |
| 2024Q4 | $11.5M | 1,285 |
| 2023Q4 | $12.1M | 1,293 |
Credit Union Details
- Charter Number
- 12175
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- Somerset
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for P S E.
| Office | City |
|---|---|
| Main (Main Office) | Somerset, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
A look at other New Jersey credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for P S E
Using this data
- P S E ranks #3,325 of 4,374 nationally on financial health and #63 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Public Service Plaza is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Public Service Plaza
Frequently Asked Questions
Is P S E financially healthy?
On its 2025Q4 NCUA 5300 filing, P S E scores 74/100 (Very Good), with a 14.21% net worth ratio and 2.78% of loans delinquent. It ranks #3,325 of 4,374 nationally on health and #63 of 127 in New Jersey.
How does P S E compare to other credit unions?
P S E scores 74/100, higher than 23% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (70.65% vs 59.80%). Its widest shortfall is delinquency rate (2.78% vs 1.15%).
How can I join P S E?
P S E operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact P S E directly for the exact boundaries and application steps.
Is my money safe at P S E?
P S E is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. P S E's net worth ratio of 14.21% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.