Federal credit union · Mercerville, New Jersey · NCUA charter #10741
Public Service E.D. Trenton
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $2.8M
- Total assets
- 247
- Members
- 47.2%
- Net-worth ratio
Public Service E.D. Trenton scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.8M; members 247; net-worth ratio 47.23%; health rank #3,795 of 4,374; healthier than 12th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,795 of 4,374 health · 2025Q4Public Service E.D. Trenton · health 66/100 · $2.8M · 2025Q4
- CAMELS 66/100
- HEALTH 47.2%
- NW 0.00%
- DELQ -0.31%
- ROA $2.8M
- ASSETS 247
- MEM #3,795/4,374
- RANK n/a
- PHOTO 10741
Call Report peers
Public Service E.D. Trenton carries $2.8M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Public Service E.D. Trenton 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
66 12th percentile higher than 12% 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 E.D. Trenton - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #10741 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Public Service E.D. Trenton vs $2M–$10M peers
- Largest favorable gap: Net Worth Ratio at 47.23% vs peer 19.06% (+28.17 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -23.54 pp (40.06% vs 63.60%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Public Service E.D. Trenton: in-state Call Report ranks
- In New Jersey, health place is #96 of 127 on the same NCUA-ratio sort used nationally.
- By total assets, Public Service E.D. Trenton is #113 of 127 in New Jersey.
- Membership ranks #119 of 127 among New Jersey CUs with a reported count (247 members).
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Public Service E.D. Trenton's 5300 filing moved
Public Service E.D. Trenton: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.7% from $2.8M (2025Q4) to $2.7M (2026Q1).
- Net-worth ratio shifted +2.05 pp (45.18% → 47.23%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
47.23% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 66/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 66.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 1.7 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.3 pts
Call Report ratios for Public Service E.D. Trenton
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 47.23% | +28.17 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | -0.31% | -0.76 pp |
| Member Growth | -14.53% | - |
| Loan-to-Share Ratio | 40.06% | -23.54 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Public Service E.D. Trenton quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.7M | - |
| 2025Q4 | $2.8M | 247 |
| 2024Q4 | $2.9M | 289 |
| 2023Q4 | $3.1M | 309 |
Credit Union Details
- Charter Number
- 10741
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- New Jersey
- City
- Mercerville
- Data Quarter
- 2025Q4
Branch Location
Public Service E.D. Trenton operates a single office in Lawrence Township, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Credit Union (Main Office) | Lawrence Township, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
Other federally-insured credit unions in New Jersey, closest first by peer group and asset size.
Cross-state Call Report peers for Public Service E.D. Trenton
Public Service E.D. Trenton's nationwide photo peers by assets and by health score, excluding New Jersey charters.
Similar health score
Nearest other-state credit unions by five-factor health composite (66/100 here).
Using this data
- Public Service E.D. Trenton ranks #3,795 of 4,374 nationally on financial health and #96 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MAUN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MAUN
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey 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 E.D. Trenton financially healthy?
A 47.23% net worth ratio and a 0.00% delinquency rate feed into Public Service E.D. Trenton's financial health score of 66/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,795 of 4,374; by total assets it ranks #4,063 of 4,374 nationally (same basis as /rankings/largest); and #113 of 127 within New Jersey. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Public Service E.D. Trenton compare to other credit unions?
66/100 is Public Service E.D. Trenton's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 E.D. Trenton?
Public Service E.D. Trenton 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 E.D. Trenton directly for the exact boundaries and application steps.
Is my money safe at Public Service E.D. Trenton?
Federal credit unions like Public Service E.D. Trenton 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 E.D. Trenton's net worth ratio of 47.23% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Public Service E.D. Trenton offer compared to banks?
Credit unions like Public Service E.D. Trenton 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 E.D. Trenton 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.