Federal credit union · HANCOCKS BRIDGE, New Jersey · NCUA charter #24226
P.S.E. & G. Nuclear Employees
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $10.1M
- Total assets
- 1,011
- Members
- 13.7%
- Net-worth ratio
P.S.E. & G. Nuclear Employees scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.1M; members 1,011; net-worth ratio 13.68%; health rank #759 of 4,374; healthier than 80th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#759 of 4,374 health · 2025Q4P.S.E. & G. Nuclear · health 92/100 · $10.1M · 2025Q4
- DELQ 92/100
- ROA 13.7%
- ASSETS 0.07%
- MEM 0.98%
- RANK $10.1M
- PHOTO 1,011
- BOOK #759/4,374
- CHARTER Mississippi Dhs
- NCUSIF 24226
Call Report peers
P.S.E. & G. Nuclear Employees in the assets neighbourhood
P.S.E. & G. Nuclear Employees's $10.1M assets sit next to Mississippi Dhs ($10.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
P.S.E. & G. Nuclear Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
P.S.E. & G. Nuclear Employees - Share Insurance Coverage
Charter #24226's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
P.S.E. & G. Nuclear Employees: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.07% vs peer 1.15% (-1.08 pp).
- Largest lag: Loan-to-Share Ratio at 46.48% vs peer 59.80% (-13.32 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New Jersey standing for P.S.E. & G. Nuclear Employees
- In New Jersey, health place is #5 of 127 on the same NCUA-ratio sort used nationally.
- New Jersey assets place: #85 of 127.
- Member book place in New Jersey: #89 of 127.
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for P.S.E. & G. Nuclear Employees
P.S.E. & G. Nuclear Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.2% from $10.1M (2025Q4) to $10.0M (2026Q1).
- Net-worth ratio shifted -1.25 pp (14.93% → 13.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 13.68%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 12.3 pts
- Loan-to-Share Ratio 9.7 pts
P.S.E. & G. Nuclear Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.68% | -1.18 pp |
| Delinquency Rate | 0.07% | -1.08 pp |
| Return on Assets | 0.98% | +0.27 pp |
| Member Growth | 2.74% | - |
| Loan-to-Share Ratio | 46.48% | -13.32 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $10.0M | - |
| 2025Q4 | $10.1M | 1,011 |
| 2024Q4 | $9.8M | 984 |
| 2023Q4 | $9.2M | 1,011 |
Credit Union Details
- Charter Number
- 24226
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- HANCOCKS BRIDGE
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, P.S.E. & G. Nuclear Employees runs one office.
| Office | City |
|---|---|
| Main Office (Main Office) | Hancocks Bridge, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
More federally-insured credit unions based in New Jersey, ordered by peer group match and asset size.
P.S.E. & G. Nuclear Employees nationwide neighbourhoods
P.S.E. & G. Nuclear Employees's nationwide photo peers by assets and by health score, excluding New Jersey charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($10.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
Using this data
- P.S.E. & G. Nuclear Employees ranks #759 of 4,374 nationally on financial health and #5 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Hoboken N J Police is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Hoboken N J Police
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is P.S.E. & G. Nuclear Employees financially healthy?
P.S.E. & G. Nuclear Employees has a financial health score of 92/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #759 of 4,374; by total assets it ranks #3,558 of 4,374 nationally (same basis as /rankings/largest); and #85 of 127 within New Jersey. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.68% and delinquency rate of 0.07%.
How does P.S.E. & G. Nuclear Employees compare to other credit unions?
92/100 is P.S.E. & G. Nuclear Employees's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join P.S.E. & G. Nuclear Employees?
P.S.E. & G. Nuclear Employees 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. & G. Nuclear Employees directly for the exact boundaries and application steps.
Is my money safe at P.S.E. & G. Nuclear Employees?
Federal credit unions like P.S.E. & G. Nuclear Employees are 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. & G. Nuclear Employees's net worth ratio of 13.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does P.S.E. & G. Nuclear Employees offer compared to banks?
Credit unions like P.S.E. & G. Nuclear Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact P.S.E. & G. Nuclear Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.