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
Call Report peers
Public Service in the assets neighbourhood
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Public Service vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Public Service sits in 80-84 with 767 others.
80 36th percentile higher than 36% 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 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%).
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.
- One place up in New Jersey, N. J. Latvian (#40) ties at 80/100; one place down, First Atlantic (#42) ties at 80/100.
Public Service Call Report trajectory
Public Service: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $40.3M (2025Q4) to $40.7M (2026Q1).
- Net-worth ratio shifted +0.18 pp (15.29% → 15.47%).
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
Public Service gives up 20 points in total. Member Growth costs the most, 11.6 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Public Service financially healthy?
Public Service has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,710 of 4,374 nationally on health and #41 of 127 in New Jersey. Its net worth ratio is 15.47% and its delinquency rate 0.41%.
How does Public Service compare to other credit unions?
Public Service scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.41% vs 1.15%). Its widest shortfall is loan-to-share ratio (40.86% vs 59.80%).
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?
Public Service 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. Public Service's net worth ratio of 15.47% 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.