P S E Federal Credit Union (NCUA charter #12175) is based in Somerset, New Jersey. Its Q2 2026 call report shows $13.5M in total assets and $11.5M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, P S E Federal Credit Union scores 71/100, which we describe as strong. That is higher than only 42% of 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 55th. Its strongest component is funding & liquidity (99/100; 61% loans-to-deposits, 1% uninsured), and its lowest is earnings (22/100; 0.06%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 13 points (58 → 71), mostly because the loan quality component improved by 54 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 65 |
| Q4 2024 | 64 |
| Q1 2025 | 54 |
| Q2 2025 | 58 |
| Q3 2025 | 62 |
| Q4 2025 | 57 |
| Q1 2026 | 59 |
| Q2 2026 | 71 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 15.69% |
| Q3 2024 | 15.69% |
| Q4 2024 | 14.15% |
| Q1 2025 | 15.62% |
| Q2 2025 | 15.31% |
| Q3 2025 | 15.09% |
| Q4 2025 | 14.95% |
| Q1 2026 | 14.21% |
| Q2 2026 | 13.81% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 1.74% |
| Q3 2024 | 1.90% |
| Q4 2024 | 1.81% |
| Q1 2025 | 3.12% |
| Q2 2025 | 2.65% |
| Q3 2025 | 2.29% |
| Q4 2025 | 2.78% |
| Q1 2026 | 2.37% |
| Q2 2026 | 1.03% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.12% |
| Q4 2024 | 0.14% |
| Q1 2025 | -0.01% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.02% |
| Q4 2025 | 0.03% |
| Q1 2026 | -0.01% |
| Q2 2026 | 0.06% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 71 | $13.5M | 13.81% | 1.03% | 0.06% | 61.1% |
| Q1 2026 | 59 | $13.0M | 14.21% | 2.37% | -0.01% | 64.7% |
| Q4 2025 | 57 | $12.4M | 14.95% | 2.78% | 0.03% | 70.6% |
| Q3 2025 | 62 | $12.2M | 15.09% | 2.29% | 0.02% | 71.9% |
| Q2 2025 | 58 | $12.1M | 15.31% | 2.65% | 0.00% | 73.8% |
| Q1 2025 | 54 | $11.8M | 15.62% | 3.12% | -0.01% | 74.9% |
| Q4 2024 | 64 | $11.5M | 14.15% | 1.81% | 0.14% | 76.5% |
| Q3 2024 | 65 | $11.5M | 15.69% | 1.90% | 0.12% | 79.4% |
| Q2 2024 | 65 | $11.5M | 15.69% | 1.74% | 0.00% | 79.2% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in New Jersey
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Public Service Plaza Federal Credit UnionCredit union Newark, NJ | 83 out of 100, Strong | $13.1M | 20.2% | 1.39% | vs |
| Local 1233 Federal Credit UnionCredit union Newark, NJ | 88 out of 100, Very strong | $14.1M | 17.9% | 0.27% | vs |
| Path Federal Credit UnionCredit union Jersey City, NJ | 53 out of 100, Below average | $14.2M | 27.2% | 4.26% | vs |
| Federal Employees Newark Federal Credit UnionCredit union Newark, NJ | 78 out of 100, Strong | $14.4M | 17.3% | 0.10% | vs |
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| Erie Lackawanna Railroad Co Emp Federal Credit UnionCredit union Hoboken, NJ | 83 out of 100, Strong | $11.9M | 25.4% | 0.64% | vs |
Deposit insurance
Is my money safe at P S E Federal Credit Union?
Yes. P S E Federal Credit Union is a federally insured credit union (NCUA charter #12175). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 1.2% of shares and deposits ($137K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 13.81%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
P S E Federal Credit Union lists 1 office in 1 city. Most locations:
- Somerset, NJ (1)
Identity & history
Profile
- Legal name
- P S E Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 12175
- RSSD ID
- 531782
- Primary regulator
- NCUA
- Established
- 1958
- Headquarters
- 472 Weston Canal Rd, Somerset, NJ 08873
- Employees
- 4
Quick answers
P S E Federal Credit Union: common questions
Is P S E Federal Credit Union NCUA insured?
Yes. P S E Federal Credit Union is a federally insured credit union (NCUA charter #12175). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is P S E Federal Credit Union's TellerScore?
71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does P S E Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Somerset
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Wakefern Federal Credit UnionCredit union Elizabeth, NJ | 99 out of 100, Very strong | $12.0M | 24.3% | 0.13% | vs |
| New Jersey Law and Public Safety Credit UnionCredit union Trenton, NJ | 93 out of 100, Very strong | $63.9M | 19.6% | 0.31% | vs |
| Central Jersey Police & Fire Federal Credit UnionCredit union Hamilton, NJ | 91 out of 100, Very strong | $52.3M | 14.4% | 0.48% | vs |
| Public Service E.D. Trenton Federal Credit UnionCredit union Mercerville, NJ | 89 out of 100, Very strong | $2.6M | 49.9% | 0.00% | vs |
| Division 819 Transit Employees Credit UnionCredit union Irvington, NJ | 88 out of 100, Very strong | $16.7M | 17.9% | 1.02% | vs |
| Local 1233 Federal Credit UnionCredit union Newark, NJ | 88 out of 100, Very strong | $14.1M | 17.9% | 0.27% | vs |