Federal credit union · Brick, New Jersey · NCUA charter #9082
Public Service H C Employees
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $7.4M
- Total assets
- 633
- Members
- 39.2%
- Net-worth ratio
Public Service H C Employees scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.4M; members 633; net-worth ratio 39.23%; health rank #2,914 of 4,374; healthier than 31st of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,914 of 4,374 health · 2025Q4Public Service H C Employees · health 78/100 · $7.4M · 2025Q4
Call Report peers
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Public Service H C Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Public Service H C Employees sits in 75-79 with 502 others.
78 31st percentile higher than 31% 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 H C Employees: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 39.23% vs peer 19.06% (+20.17 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -45.78 pp (17.82% vs 63.60%).
Public Service H C Employees: in-state Call Report ranks
- In New Jersey, health place is #49 of 127 on the same NCUA-ratio sort used nationally.
- By total assets, Public Service H C Employees is #92 of 127 in New Jersey.
- Member book place in New Jersey: #107 of 127.
- One place up in New Jersey, Jersey City Firemen (#48) ties at 78/100; one place down, Atlantic City Police (#50) ties at 78/100.
How Public Service H C Employees's 5300 filing moved
Public Service H C Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.4% from $7.4M (2025Q4) to $7.2M (2026Q1).
- Net-worth ratio shifted +1.17 pp (38.06% → 39.23%).
39.23% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
Public Service H C Employees gives up 22 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 8.0 pts
Call Report ratios for Public Service H C Employees
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 39.23% | +20.17 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 1.11% | +0.66 pp |
| Member Growth | -6.08% | - |
| Loan-to-Share Ratio | 17.82% | -45.78 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Public Service H C Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.2M | - |
| 2025Q4 | $7.4M | 633 |
| 2024Q4 | $7.8M | 674 |
| 2023Q4 | $8.1M | 727 |
Credit Union Details
- Charter Number
- 9082
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- New Jersey
- City
- Brick
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Public Service H C Employees.
| Office | City |
|---|---|
| Main Office (Main Office) | Toms River, 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 H C Employees
Using this data
- Public Service H C Employees ranks #2,914 of 4,374 nationally on financial health and #49 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- I.L.a. Local 1235 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with I.L.a. Local 1235
Frequently Asked Questions
Is Public Service H C Employees financially healthy?
Public Service H C Employees has a financial health score of 78/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,914 of 4,374 nationally on health and #49 of 127 in New Jersey. Its net worth ratio is 39.23% and its delinquency rate 0.00%.
How does Public Service H C Employees compare to other credit unions?
Public Service H C Employees scores 78/100, higher than 31% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is net worth ratio (39.23% vs 19.06%). Its widest shortfall is loan-to-share ratio (17.82% vs 63.60%).
How can I join Public Service H C Employees?
Public Service H C Employees 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 H C Employees directly for the exact boundaries and application steps.
Is my money safe at Public Service H C Employees?
Public Service H C Employees 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 H C Employees's net worth ratio of 39.23% 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.