State credit union · Wausau, Wisconsin · NCUA charter #66461
Public Service
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $12.9M
- Total assets
- 998
- Members
- 20.3%
- Net-worth ratio
Public Service scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.9M; members 998; net-worth ratio 20.25%; health rank #3,234 of 4,374; healthier than 24th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,234 of 4,374 health · 2025Q4Public Service · health 75/100 · $12.9M · 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 75-79 with 502 others.
75 24th percentile higher than 24% 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: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 103.85% here, 59.80% peer average (+44.05 pp).
- Widest shortfall vs peers is Return on Assets: -0.45 pp (0.25% vs 0.70%).
Public Service in Wisconsin
- Health composite ranks #87 of 100 among scored Wisconsin credit unions.
- Assets rank #85 of 100 inside Wisconsin ($12.9M reported).
- Member book place in Wisconsin: #88 of 100.
- One place up in Wisconsin, Wisconsin Latvian, Inc. (#86) scores 77/100, 2 points higher; one place down, Kenosha Police and Firemen's (#88) scores 74/100, 1 point lower.
Public Service Call Report trajectory
Public Service: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.1% from $12.9M (2025Q4) to $13.2M (2026Q1).
- Net-worth ratio shifted -0.42 pp (20.67% → 20.25%).
This credit union's 20.25% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 75/100 score is built
Public Service gives up 25 points in total. Member Growth costs the most, 15 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 11.3 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.7 pts
Public Service vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.25% | +5.39 pp |
| Delinquency Rate | 0.27% | -0.87 pp |
| Return on Assets | 0.25% | -0.45 pp |
| Member Growth | -8.78% | - |
| Loan-to-Share Ratio | 103.85% | +44.05 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Public Service
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.2M | - |
| 2025Q4 | $12.9M | 998 |
| 2024Q4 | $11.8M | 1,094 |
| 2023Q4 | $11.1M | 1,125 |
Credit Union Details
- Charter Number
- 66461
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Wisconsin
- City
- Wausau
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Public Service.
| Office | City |
|---|---|
| Main-Public Service (Main Office) | Wausau, WI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
A look at other Wisconsin credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Public Service
Similar total assets
Using this data
- Public Service ranks #3,234 of 4,374 nationally on financial health and #87 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SERVICE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SERVICE
Frequently Asked Questions
Is Public Service financially healthy?
Public Service has a financial health score of 75/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,234 of 4,374 nationally on health and #87 of 100 in Wisconsin. Its net worth ratio is 20.25% and its delinquency rate 0.27%.
How does Public Service compare to other credit unions?
Public Service scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (103.85% vs 59.80%). Its widest shortfall is return on assets (0.25% vs 0.70%).
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 20.25% 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.