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
Call Report peers
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Public Service E.D. Trenton vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Public Service E.D. Trenton sits in 65-69 with 275 others.
66 12th percentile higher than 12% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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%).
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).
- One place up in New Jersey, Clifton Nj Postal Employees (#95) ties at 66/100; one place down, New Jersey Community (#97) ties at 66/100.
How Public Service E.D. Trenton's 5300 filing moved
Public Service E.D. Trenton: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -3.7% from $2.8M (2025Q4) to $2.7M (2026Q1).
- Net-worth ratio shifted +2.05 pp (45.18% → 47.23%).
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
Public Service E.D. Trenton gives up 34 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 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Public Service E.D. Trenton financially healthy?
Public Service E.D. Trenton has a financial health score of 66/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,795 of 4,374 nationally on health and #96 of 127 in New Jersey. Its net worth ratio is 47.23% and its delinquency rate 0.00%.
How does Public Service E.D. Trenton compare to other credit unions?
Public Service E.D. Trenton scores 66/100, higher than 12% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (47.23% vs 19.06%). Its widest shortfall is loan-to-share ratio (40.06% vs 63.60%).
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?
Public Service E.D. Trenton is a federal 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 E.D. Trenton's net worth ratio of 47.23% 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.