TellerScore

Headquartered in Romulus, Michigan, Public Service Credit Union is a federally insured state-chartered credit union with $467.6M in total assets and $391.7M in member shares and deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1951.

Public Service Credit Union has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 48% of its 1,341 credit unions with $100 million – $1 billion. Among 169 credit unions headquartered in Michigan, it ranks 106th. Problem-loan coverage contributes the most (88/100, 5.8%); earnings contributes the least (57/100, 0.93%).

TellerScore · Q2 2026

Scorecard

Capital cushion66/100
Net worth ratio: 11.61%
Loan quality66/100
Loans 60+ days delinquent ÷ total loans: 1.03%
Earnings57/100
Return on assets (annualized): 0.93%
Funding & liquidity84/100
Loans ÷ shares: 76.0% · 6.9% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.84%

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 4 points (65 → 69), mostly because the earnings component improved by 12 points.

TellerScore
566370Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202461
Q4 202456
Q1 202558
Q2 202565
Q3 202567
Q4 202564
Q1 202670
Q2 202669
Net worth ratio
7.00%9.51%12.02%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.33%
Q3 202412.02%
Q4 202411.76%
Q1 202511.73%
Q2 202511.79%
Q3 202511.91%
Q4 202511.53%
Q1 202611.61%
Q2 202611.61%
Delinquent loans (60+ days)
1.01%1.55%2.09%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.65%
Q3 20242.06%
Q4 20242.09%
Q1 20251.50%
Q2 20251.35%
Q3 20251.19%
Q4 20251.33%
Q1 20261.01%
Q2 20261.03%
Return on assets
0.11%0.57%1.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.57%
Q3 20241.02%
Q4 20240.58%
Q1 20250.11%
Q2 20250.61%
Q3 20250.72%
Q4 20250.65%
Q1 20261.04%
Q2 20260.93%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$467.6M11.61%1.03%0.93%76.0%
Q1 202670$459.4M11.61%1.01%1.04%76.3%
Q4 202564$452.2M11.53%1.33%0.65%78.1%
Q3 202567$433.6M11.91%1.19%0.72%78.6%
Q2 202565$429.6M11.79%1.35%0.61%74.3%
Q1 202558$421.3M11.73%1.50%0.11%75.4%
Q4 202456$419.5M11.76%2.09%0.58%78.2%
Q3 202461$417.7M12.02%2.06%1.02%77.7%
Q2 202460$425.4M11.33%1.65%0.57%74.4%

1,341 peers · $100 million – $1 billion

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).

Capital ratio11.61%
52nd
Problem loans1.03%
29th
Net charge-offs0.41%
44th
Return on assets0.93%
62nd
Loans to deposits76.0%
49th
Uninsured deposits6.9%
41st
Loan-loss reserves0.00%
50th
Texas ratio5.8%
33rd

Similar-size credit unions in Michigan

InstitutionScoreAssetsCapitalProblem loansCompare
Cornerstone Community Financial Credit UnionCredit union Auburn Hills, MI62 out of 100, Moderate$470.1M12.1%1.18%vs
Wmcu Credit UnionCredit union Grand Rapids, MI84 out of 100, Strong$455.3M17.3%0.92%vs
Jolt Credit UnionCredit union Saginaw, MI69 out of 100, Moderate$483.8M10.3%0.43%vs
Loc Credit UnionCredit union Farmington, MI74 out of 100, Strong$485.0M10.2%0.36%vs
People Driven Credit UnionCredit union Southfield, MI65 out of 100, Moderate$520.0M10.1%0.57%vs
Monroe Community Credit UnionCredit union Monroe, MI80 out of 100, Strong$406.4M11.4%0.20%vs

Deposit insurance

Is my money safe at Public Service Credit Union?

Yes. Public Service Credit Union is a federally insured credit union (NCUA charter #60683). 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 6.9% of shares and deposits ($26.9M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.61%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Public Service Credit Union lists 6 offices in 5 cities. Most locations:

  • Detroit, MI (2)
  • Flat Rock, MI (1)
  • Grosse Ile, MI (1)
  • Redford, MI (1)
  • Romulus, MI (1)

All branch addresses and map

Identity & history

Profile

Legal name
Public Service Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60683
RSSD ID
431592
Primary regulator
State + NCUA
Established
1951
Headquarters
7665 Merriman Rd, Romulus, MI 48174
Employees
130

Quick answers

Public Service Credit Union: common questions

Is Public Service Credit Union NCUA insured?

Yes. Public Service Credit Union is a federally insured credit union (NCUA charter #60683). 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 Public Service Credit Union's TellerScore?

69 out of 100 (Moderate), 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 Public Service Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Romulus

InstitutionScoreAssetsCapitalProblem loansCompare
Total Community Credit UnionCredit union Taylor, MI97 out of 100, Very strong$111.3M15.3%0.36%vs
JPMorgan Chase Bank, DearbornBank Dearborn, MI94 out of 100, Very strong$71.5M99.6%0.00%vs
I.M. Detroit District Credit UnionCredit union Detroit, MI93 out of 100, Very strong$1.9M28.1%0.00%vs
Electrical Workers Local 58 Credit UnionCredit union Detroit, MI90 out of 100, Very strong$21.4M12.2%0.09%vs
Tlc Community Credit UnionCredit union Adrian, MI90 out of 100, Very strong$950.2M14.5%0.14%vs
Wayne-Westland Federal Credit UnionCredit union Westland, MI83 out of 100, Strong$161.2M11.3%0.47%vs