TellerScore

Public Service Federal Credit Union is a federal credit union headquartered in Middlesex, New Jersey, in business for about 69 years. At the end of Q2 2026 it reported $40.4M in total assets and $33.9M in member shares and deposits, with 1 office.

Public Service Federal Credit Union has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 16th. Capital cushion contributes the most (100/100, 15.91%); loan quality contributes the least (59/100, 1.24%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 15.91%
Loan quality59/100
Loans 60+ days delinquent ÷ total loans: 1.24%
Earnings73/100
Return on assets (annualized): 1.33%
Funding & liquidity100/100
Loans ÷ shares: 39.2% · 0.0% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.56%

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 3 points (81 → 84), mostly because the earnings component improved by 30 points.

TellerScore
738188Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202474
Q4 202475
Q1 202579
Q2 202581
Q3 202587
Q4 202588
Q1 202688
Q2 202684
Net worth ratio
7.00%11.46%15.91%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.86%
Q3 202414.21%
Q4 202414.28%
Q1 202514.44%
Q2 202514.77%
Q3 202515.03%
Q4 202515.29%
Q1 202615.47%
Q2 202615.91%
Delinquent loans (60+ days)
0.30%0.77%1.24%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.00%
Q3 20241.02%
Q4 20241.05%
Q1 20250.77%
Q2 20250.75%
Q3 20250.30%
Q4 20250.41%
Q1 20260.77%
Q2 20261.24%
Return on assets
0.11%0.72%1.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.11%
Q3 20240.20%
Q4 20240.32%
Q1 20250.43%
Q2 20250.58%
Q3 20250.76%
Q4 20250.89%
Q1 20261.31%
Q2 20261.33%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$40.4M15.91%1.24%1.33%39.2%
Q1 202688$40.7M15.47%0.77%1.31%38.7%
Q4 202588$40.3M15.29%0.41%0.89%40.9%
Q3 202587$40.1M15.03%0.30%0.76%41.8%
Q2 202581$40.0M14.77%0.75%0.58%44.2%
Q1 202579$40.4M14.44%0.77%0.43%46.6%
Q4 202475$40.6M14.28%1.05%0.32%50.0%
Q3 202474$40.3M14.21%1.02%0.20%52.0%
Q2 202473$41.0M13.86%1.00%0.11%51.2%

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 ratio15.91%
60th
Problem loans1.24%
33rd
Net charge-offs-0.25%
96th
Return on assets1.33%
80th
Loans to deposits39.2%
79th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio2.6%
46th

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
N.J.T. Employees Federal Credit UnionCredit union Waldwick, NJ66 out of 100, Moderate$39.5M11.2%0.87%vs
Lakehurst Naval Federal Credit UnionCredit union Joint Base MDL, NJ61 out of 100, Moderate$37.9M12.5%3.50%vs
Garden State Federal Credit UnionCredit union Moorestown, NJ54 out of 100, Below average$37.5M11.4%2.33%vs
Postal Employees Credit UnionCredit union Yardville, NJ72 out of 100, Strong$35.7M15.3%0.87%vs
H. E. Telephone Federal Credit UnionCredit union Rochelle Park, NJ73 out of 100, Strong$46.4M15.1%1.45%vs
Southern Middlesex Co Tchrs Federal Credit UnionCredit union East Brunswick, NJ62 out of 100, Moderate$48.4M10.8%2.19%vs

Deposit insurance

Is my money safe at Public Service Federal Credit Union?

Yes. Public Service Federal Credit Union is a federally insured credit union (NCUA charter #11779). 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 15.91%, 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 Federal Credit Union lists 1 office in 1 city. Most locations:

  • Middlesex, NJ (1)

All branch addresses and map

Identity & history

Profile

Legal name
Public Service Federal Credit Union
Type
Federal credit union
NCUA charter #
11779
RSSD ID
874582
Primary regulator
NCUA
Established
1957
Headquarters
619 Union Ave, Middlesex, NJ 08846
Employees
7

Quick answers

Public Service Federal Credit Union: common questions

Is Public Service Federal Credit Union NCUA insured?

Yes. Public Service Federal Credit Union is a federally insured credit union (NCUA charter #11779). 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 Federal Credit Union's TellerScore?

84 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 Public Service Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Middlesex

InstitutionScoreAssetsCapitalProblem loansCompare
Wakefern Federal Credit UnionCredit union Elizabeth, NJ99 out of 100, Very strong$12.0M24.3%0.13%vs
Public Service E.D. Trenton Federal Credit UnionCredit union Mercerville, NJ89 out of 100, Very strong$2.6M49.9%0.00%vs
Division 819 Transit Employees Credit UnionCredit union Irvington, NJ88 out of 100, Very strong$16.7M17.9%1.02%vs
Local 1233 Federal Credit UnionCredit union Newark, NJ88 out of 100, Very strong$14.1M17.9%0.27%vs
First National Bank and Trust Company of NewtownBank Newtown, PA87 out of 100, Very strong$1.2B12.9%0.00%vs
Merck Employees Federal Credit UnionCredit union Rahway, NJ86 out of 100, Very strong$1.7B15.4%0.30%vs