Federal credit union · Newark, New Jersey · NCUA charter #8993
Public Service Plaza
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $12.5M
- Total assets
- 954
- Members
- 20.9%
- Net-worth ratio
Public Service Plaza scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $12.5M; members 954; net-worth ratio 20.86%; health rank #2,686 of 4,374; healthier than 36th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,686 of 4,374 health · 2025Q4Public Service Plaza · health 80/100 · $12.5M · 2025Q4
Call Report peers
Public Service Plaza in the assets neighbourhood
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Public Service Plaza vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Public Service Plaza sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Public Service Plaza diverges from peer averages
- Net Worth Ratio leads the peer set - 20.86% here, 14.86% peer average (+6.00 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -38.52 pp (21.28% vs 59.80%).
Public Service Plaza in New Jersey
- Health composite ranks #39 of 127 among scored New Jersey credit unions.
- By total assets, Public Service Plaza is #75 of 127 in New Jersey.
- Member book place in New Jersey: #91 of 127.
- One place up in New Jersey, Central Jersey (#38) scores 81/100, 1 point higher; one place down, N. J. Latvian (#40) ties at 80/100.
Public Service Plaza Call Report trajectory
Public Service Plaza: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.6% from $12.5M (2025Q4) to $12.5M (2026Q1).
- Net-worth ratio shifted +0.30 pp (20.56% → 20.86%).
This credit union's 20.86% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 80/100 score is built
Public Service Plaza gives up 20 points in total. Loan-to-Share Ratio costs the most, 7.1 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.3 pts
- Return on Assets 13.1 pts
- Member Growth 9.0 pts
- Loan-to-Share Ratio 7.6 pts
Public Service Plaza vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.86% | +6.00 pp |
| Delinquency Rate | 0.97% | -0.17 pp |
| Return on Assets | 0.38% | -0.33 pp |
| Member Growth | 0.00% | - |
| Loan-to-Share Ratio | 21.28% | -38.52 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $12.5M | - |
| 2025Q4 | $12.5M | 954 |
| 2024Q4 | $13.3M | 954 |
| 2023Q4 | $13.7M | 949 |
Credit Union Details
- Charter Number
- 8993
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- Newark
- Data Quarter
- 2025Q4
Branch Location
Public Service Plaza operates a single office in Newark, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| PUBLIC SERVICE PLAZA FEDERAL CREDIT UNION (Main Office) | Newark, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
A look at other New Jersey credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Public Service Plaza
Similar total assets
Using this data
- Public Service Plaza ranks #2,686 of 4,374 nationally on financial health and #39 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- P S E is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with P S E
Frequently Asked Questions
Is Public Service Plaza financially healthy?
Public Service Plaza has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,686 of 4,374 nationally on health and #39 of 127 in New Jersey. Its net worth ratio is 20.86% and its delinquency rate 0.97%.
How does Public Service Plaza compare to other credit unions?
Public Service Plaza scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (20.86% vs 14.86%). Its widest shortfall is loan-to-share ratio (21.28% vs 59.80%).
How can I join Public Service Plaza?
Public Service Plaza 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 Plaza directly for the exact boundaries and application steps.
Is my money safe at Public Service Plaza?
Public Service Plaza 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 Plaza's net worth ratio of 20.86% 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.