State credit union · Romulus, Michigan · NCUA charter #60683
Public Service
Health score 84/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 84
- Health / 100
- $452.2M
- Total assets
- 32,005
- Members
- 11.6%
- Net-worth ratio
Public Service scores 84/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $452.2M; members 32,005; net-worth ratio 11.61%; health rank #2,120 of 4,374; healthier than 50th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,120 of 4,374 health · 2025Q4Public Service · health 84/100 · $452.2M · 2025Q4
- ROA 84/100
- ASSETS 11.6%
- MEM 1.33%
- RANK 0.54%
- PHOTO $452.2M
- BOOK 32,005
- CHARTER #2,120/4,374
- NCUSIF WINSOUTH
- CAMELS 60683
Call Report peers
Public Service in the assets neighbourhood
Public Service's $452.2M assets sit next to WINSOUTH ($452.1M) 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.
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
84 Top 50% higher than 50% 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
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #60683. See our deposit-insurance coverage note.
Public Service vs $100M–$500M peers
- Loan-to-Share Ratio leads the peer set - 78.14% here, 72.20% peer average (+5.94 pp).
- Largest lag: Net Worth Ratio at 11.61% vs peer 12.11% (-0.50 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Public Service in Michigan
- Health composite ranks #104 of 171 among scored Michigan credit unions.
- By total assets, Public Service is #49 of 171 in Michigan.
- Michigan membership ordinal: #43 of 171.
In-state ordinals use the live credit_unions table for MI 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 +1.6% from $452.2M (2025Q4) to $459.4M (2026Q1).
- Net-worth ratio shifted +0.08 pp (11.53% → 11.61%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.61% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 84/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 84.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.5 pts
- Return on Assets 15.0 pts
- Member Growth 6.5 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Public Service
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.61% | -0.50 pp |
| Delinquency Rate | 1.33% | +0.44 pp |
| Return on Assets | 0.54% | -0.08 pp |
| Member Growth | -1.37% | - |
| Loan-to-Share Ratio | 78.14% | +5.94 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Public Service quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $459.4M | - |
| 2025Q4 | $452.2M | 32,005 |
| 2024Q4 | $419.5M | 32,450 |
| 2023Q4 | $415.5M | 32,344 |
Credit Union Details
- Charter Number
- 60683
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Michigan
- City
- Romulus
- Data Quarter
- 2025Q4
Branch Locations (11)
Per its most recent NCUA branch filing, Public Service runs 11 offices in 9 different cities.
| Office | City |
|---|---|
| Public Service Credit Union (Main Office) | Romulus, MI |
| Cadillac Place | Detroit, MI |
| Veterans Health Administration Branch | Detroit, MI |
| Detroit Eastside | Detroit, MI |
| Flat Rock | Flat Rock, MI |
| Garden City | Garden City, MI |
| Grosse Ile Branch | Grosse Ile, MI |
| Oak Park | Oak Park, MI |
| Redford Branch | Redford, MI |
| Trenton Branch | Trenton, MI |
| Warren Branch | WARREN, MI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Michigan
More federally-insured credit unions based in Michigan, ordered by peer group match and asset size.
Public Service nationwide neighbourhoods
Public Service's nationwide photo peers by assets and by health score, excluding Michigan charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($452.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (84/100 here).
Using this data
- Public Service ranks #2,120 of 4,374 nationally on financial health and #104 of 171 in MI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WMCU is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WMCU
- Rates and health both vary by institution, not just by state -- see how Michigan credit unions compare overall before assuming this one is typical. Michigan 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?
Based on NCUA 5300 Call Report data as of Q4 2025, Public Service carries a financial health score of 84/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,120 of 4,374; by total assets it ranks #796 of 4,374 nationally (same basis as /rankings/largest); and #49 of 171 within Michigan. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.61% net worth ratio and a 1.33% delinquency rate.
How does Public Service compare to other credit unions?
PlainCU's health composite puts Public Service at 84/100, compared to a peer group average for $100M–$500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and 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?
Membership eligibility for Public Service depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Public Service directly for current membership requirements 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 11.61% 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.