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
Call Report peers
Public Service in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Public Service sits in 80-84 with 767 others.
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 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).
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.
- One place up in Michigan, Iron Mountain Kingsford Community (#103) ties at 84/100; one place down, INTANDEM (#105) ties at 84/100.
Public Service Call Report trajectory
Public Service: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $452.2M (2025Q4) to $459.4M (2026Q1).
- Net-worth ratio shifted +0.08 pp (11.53% → 11.61%).
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
Public Service gives up 16 points in total. Member Growth costs the most, 8.5 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Public Service financially healthy?
Public Service has a financial health score of 84/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,120 of 4,374 nationally on health and #104 of 171 in Michigan. Its net worth ratio is 11.61% and its delinquency rate 1.33%.
How does Public Service compare to other credit unions?
Public Service scores 84/100, higher than 50% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (78.14% vs 72.20%). Its widest shortfall is net worth ratio (11.61% vs 12.11%).
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?
Public Service is a state-chartered 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 11.61% 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.