TellerScore

Public Service E.D. Trenton Federal Credit Union (NCUA charter #10741) is based in Mercerville, New Jersey. Its Q2 2026 call report shows $2.6M in total assets and $1.3M in member shares and deposits and 1 office.

Public Service E.D. Trenton Federal Credit Union has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 87% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 5th. Capital cushion contributes the most (100/100, 49.92%); earnings contributes the least (43/100, 0.57%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 49.92%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings43/100
Return on assets (annualized): 0.57%
Funding & liquidity100/100
Loans ÷ shares: 48.7% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (89 → 89).

TellerScore
668094Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202467
Q4 202469
Q1 202577
Q2 202589
Q3 202589
Q4 202589
Q1 202694
Q2 202689
Net worth ratio
7.00%28.46%49.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202440.99%
Q3 202441.30%
Q4 202442.34%
Q1 202543.09%
Q2 202544.41%
Q3 202544.81%
Q4 202545.18%
Q1 202647.23%
Q2 202649.92%
Delinquent loans (60+ days)
0.00%0.84%1.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.61%
Q3 20241.68%
Q4 20241.50%
Q1 20251.43%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
-0.84%0.20%1.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.84%
Q3 2024-0.40%
Q4 2024-0.29%
Q1 20250.59%
Q2 20250.63%
Q3 20250.61%
Q4 20250.67%
Q1 20261.23%
Q2 20260.57%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$2.6M49.92%0.00%0.57%48.7%
Q1 202694$2.7M47.23%0.00%1.23%42.6%
Q4 202589$2.8M45.18%0.00%0.67%40.1%
Q3 202589$2.8M44.81%0.00%0.61%38.9%
Q2 202589$2.8M44.41%0.00%0.63%38.3%
Q1 202577$2.9M43.09%1.43%0.59%35.4%
Q4 202469$2.9M42.34%1.50%-0.29%35.7%
Q3 202467$3.0M41.30%1.68%-0.40%28.1%
Q2 202466$3.0M40.99%1.61%-0.84%29.2%

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).

Capital ratio49.92%
99th
Problem loans0.00%
94th
Net charge-offs2.50%
4th
Return on assets0.57%
45th
Loans to deposits48.7%
66th
Uninsured deposits0.0%
81st
Loan-loss reserves1.95%
89th
Texas ratio0.0%
93rd

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
Clifton NJ Postal Employees Federal Credit UnionCredit union Clifton, NJ59 out of 100, Moderate$2.1M52.2%6.71%vs
Atlantic City Police Federal Credit UnionCredit union Northfield, NJ78 out of 100, Strong$2.1M21.2%2.02%vs
Maun Federal Credit UnionCredit union Kendall Park, NJ60 out of 100, Moderate$3.0M14.1%1.36%vs
Newark Post Office Employees Credit UnionCredit union Newark, NJ66 out of 100, Moderate$2.0M33.2%1.69%vs
New Community Federal Credit UnionCredit union Newark, NJ81 out of 100, Strong$3.1M13.3%0.00%vs
Trenton Teachers Federal Credit UnionCredit union Trenton, NJ71 out of 100, Strong$1.9M22.4%13.59%vs

Deposit insurance

Is my money safe at Public Service E.D. Trenton Federal Credit Union?

Yes. Public Service E.D. Trenton Federal Credit Union is a federally insured credit union (NCUA charter #10741). 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 0.0% of shares and deposits ($0) 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 49.92%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Public Service E.D. Trenton Federal Credit Union lists 1 office in 1 city. Most locations:

  • Lawrence Township, NJ (1)

All branch addresses and map

Identity & history

Profile

Legal name
Public Service E.D. Trenton Federal Credit Union
Type
Federal credit union
NCUA charter #
10741
RSSD ID
834184
Primary regulator
NCUA
Established
1956
Headquarters
PO Box 3365, Mercerville, NJ 08619
Employees
3

Quick answers

Public Service E.D. Trenton Federal Credit Union: common questions

Is Public Service E.D. Trenton Federal Credit Union NCUA insured?

Yes. Public Service E.D. Trenton Federal Credit Union is a federally insured credit union (NCUA charter #10741). 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 E.D. Trenton Federal Credit Union's TellerScore?

89 out of 100 (Very 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 Public Service E.D. Trenton Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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