Federal credit union · HANCOCKS BRIDGE, New Jersey · NCUA charter #24226
P.s.e. & G. Nuclear Employees
Health score 92/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $10.1M
- Total assets
- 1,011
- Members
- 13.4%
- Net-worth ratio
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 - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth82
- Liquidity (loan-to-share)68
Weighted composite: 92/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 13.36%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.36% | 30% |
| Delinquency Rate | 0.07% | 25% |
| Return on Assets | 0.98% | 15% |
| Member Growth | 2.74% | 15% |
| Loan-to-Share Ratio | 46.48% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About P.s.e. & G. Nuclear Employees
P.s.e. & G. Nuclear Employees is a federal credit union headquartered in HANCOCKS BRIDGE, New Jersey, serving 1,011 members with $10.1M in total assets and $4.0M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 92/100 (Excellent), anchored by a net worth ratio of 13.36% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #24226 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.07% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. The loan-to-share ratio of 46.48% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.98% on net income of $99K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 2.74%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in New Jersey
More federally-insured credit unions based in New Jersey, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.36% 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 13.36% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.