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
- NCUSIF 75/100
- CAMELS 20.3%
- HEALTH 0.27%
- NW 0.25%
- DELQ $12.9M
- ROA 998
- ASSETS #3,234/4,374
- MEM Local Union 1186 Ibew
- RANK 66461
Call Report peers
Public Service in the assets neighbourhood
Public Service's $12.9M assets sit next to Local Union 1186 Ibew ($12.8M) 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
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 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #66461: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WI 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 +2.1% from $12.9M (2025Q4) to $13.2M (2026Q1).
- Net-worth ratio shifted -0.42 pp (20.67% → 20.25%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- 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 |
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).
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
Two NCUA Call Report peer sets for Public Service, both outside Wisconsin so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($12.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin 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?
A 20.25% net worth ratio and a 0.27% delinquency rate feed into Public Service's financial health score of 75/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,234 of 4,374; by total assets it ranks #3,416 of 4,374 nationally (same basis as /rankings/largest); and #85 of 100 within Wisconsin. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Public Service compare to other credit unions?
On PlainCU's health composite, Public Service lands at 75/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 20.25% 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.