Federal credit union · Middlesex, New Jersey · NCUA charter #11779
Public Service
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $40.3M
- Total assets
- 3,714
- Members
- 15.5%
- Net-worth ratio
Public Service scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $40.3M; members 3,714; net-worth ratio 15.47%; health rank #2,710 of 4,374; healthier than 36th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,710 of 4,374 health · 2025Q4Public Service · health 80/100 · $40.3M · 2025Q4
- MEM 80/100
- RANK 15.5%
- PHOTO 0.41%
- BOOK 0.32%
- CHARTER $40.3M
- NCUSIF 3,714
- CAMELS #2,710/4,374
- HEALTH Patent and Trademark Office
- NW 11779
Call Report peers
Public Service in the assets neighbourhood
Public Service's $40.3M assets sit next to Patent and Trademark Office ($40.3M) 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.
Public Service 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
80 36th percentile higher than 36% 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
Public Service - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #11779, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Public Service
- Largest favorable gap: Delinquency Rate at 0.41% vs peer 1.15% (-0.74 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -18.94 pp (40.86% vs 59.80%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Public Service sits in New Jersey
- New Jersey health ordinal: #41 of 127.
- New Jersey assets place: #50 of 127.
- Member book place in New Jersey: #41 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.
Public Service Call Report trajectory
Public Service: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $40.3M (2025Q4) to $40.7M (2026Q1).
- Net-worth ratio shifted +0.18 pp (15.29% → 15.47%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
15.47% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.4 pts
- Member Growth 3.4 pts
- Loan-to-Share Ratio 9.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.47% | +0.61 pp |
| Delinquency Rate | 0.41% | -0.74 pp |
| Return on Assets | 0.32% | -0.38 pp |
| Member Growth | -3.13% | - |
| Loan-to-Share Ratio | 40.86% | -18.94 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).
Public Service quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $40.7M | - |
| 2025Q4 | $40.3M | 3,714 |
| 2024Q4 | $40.6M | 3,834 |
| 2023Q4 | $42.8M | 3,827 |
Credit Union Details
- Charter Number
- 11779
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- Middlesex
- Data Quarter
- 2025Q4
Branch Location
Public Service operates a single office in Middlesex, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Middlesex (Main Office) | Middlesex, 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.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Public Service - kept outside New Jersey; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($40.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- Public Service ranks #2,710 of 4,374 nationally on financial health and #41 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lakehurst Naval is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lakehurst Naval
- 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 Public Service financially healthy?
Yes/no aside, the number is 80/100 (Excellent) - Public Service's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,710 of 4,374; by total assets it ranks #2,598 of 4,374 nationally (same basis as /rankings/largest); and #50 of 127 within New Jersey. Above 80 reads excellent, below 50 warrants closer monitoring; a 15.47% net worth ratio and 0.41% delinquency rate are the key drivers.
How does Public Service compare to other credit unions?
Five weighted metrics from NCUA filings produce Public Service's 80/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (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 Public Service?
Public Service 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 Public Service directly for the exact boundaries and application steps.
Is my money safe at Public Service?
Federal credit unions like Public Service 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. Public Service's net worth ratio of 15.47% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Public Service offer compared to banks?
Credit unions like Public Service 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 Public Service 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.