TellerScore

Public Service H C Employees Federal Credit Union is a federal credit union headquartered in Brick, New Jersey, in business for about 73 years. At the end of Q2 2026 it reported $7.1M in total assets and $4.3M in member shares and deposits, with 1 office.

Public Service H C Employees Federal Credit Union has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than only 49% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 39th. Capital cushion contributes the most (100/100, 39.47%); loan quality contributes the least (37/100, 1.89%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 39.47%
Loan quality37/100
Loans 60+ days delinquent ÷ total loans: 1.89%
Earnings47/100
Return on assets (annualized): 0.68%
Funding & liquidity100/100
Loans ÷ shares: 16.6% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.48%

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 fell 21 points (95 → 74), mostly because the earnings component weakened by 52 points.

TellerScore
668399Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202484
Q4 202492
Q1 202599
Q2 202595
Q3 202595
Q4 202597
Q1 202691
Q2 202674
Net worth ratio
7.00%23.23%39.47%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202433.36%
Q3 202434.03%
Q4 202434.40%
Q1 202536.13%
Q2 202537.00%
Q3 202538.14%
Q4 202538.06%
Q1 202639.23%
Q2 202639.47%
Delinquent loans (60+ days)
0.00%1.52%3.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20243.05%
Q3 20240.94%
Q4 20240.00%
Q1 20250.00%
Q2 20250.56%
Q3 20250.56%
Q4 20250.00%
Q1 20260.00%
Q2 20261.89%
Return on assets
0.68%1.33%1.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.92%
Q3 20241.00%
Q4 20241.05%
Q1 20251.83%
Q2 20251.99%
Q3 20251.96%
Q4 20251.65%
Q1 20260.86%
Q2 20260.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$7.1M39.47%1.89%0.68%16.6%
Q1 202691$7.2M39.23%0.00%0.86%17.1%
Q4 202597$7.4M38.06%0.00%1.65%17.8%
Q3 202595$7.3M38.14%0.56%1.96%17.7%
Q2 202595$7.4M37.00%0.56%1.99%17.8%
Q1 202599$7.5M36.13%0.00%1.83%16.8%
Q4 202492$7.8M34.40%0.00%1.05%16.0%
Q3 202484$7.8M34.03%0.94%1.00%15.4%
Q2 202466$7.9M33.36%3.05%0.92%14.8%

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 ratio39.47%
98th
Problem loans1.89%
23rd
Net charge-offs-1.06%
99th
Return on assets0.68%
52nd
Loans to deposits16.6%
97th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio0.5%
75th

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Linden NJ Police & Firemen Federal Credit UnionCredit union Linden, NJ86 out of 100, Very strong$6.9M32.2%0.60%vs

Deposit insurance

Is my money safe at Public Service H C Employees Federal Credit Union?

Yes. Public Service H C Employees Federal Credit Union is a federally insured credit union (NCUA charter #9082). 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 39.47%, 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 H C Employees Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Public Service H C Employees Federal Credit Union
Type
Federal credit union
NCUA charter #
9082
RSSD ID
370682
Primary regulator
NCUA
Established
1953
Headquarters
P.O. Box 7, Brick, NJ 08723
Employees
2

Quick answers

Public Service H C Employees Federal Credit Union: common questions

Is Public Service H C Employees Federal Credit Union NCUA insured?

Yes. Public Service H C Employees Federal Credit Union is a federally insured credit union (NCUA charter #9082). 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 H C Employees Federal Credit Union's TellerScore?

74 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 H C Employees Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Brick

InstitutionScoreAssetsCapitalProblem loansCompare
Ocean County Employees Federal Credit UnionCredit union Toms River, NJ97 out of 100, Very strong$1.4M20.0%0.33%vs
Amboy BankBank Old Bridge, NJ80 out of 100, Strong$3.1B12.2%0.30%vs
Unity BankBank Clinton, NJ69 out of 100, Moderate$3.2B12.9%1.23%vs
Mid Penn BankBank Millersburg, PA69 out of 100, Moderate$7.0B10.4%0.51%vs
The Bank of PrincetonBank Princeton, NJ68 out of 100, Moderate$2.3B11.7%0.92%vs
Metropolitan Commercial BankBank New York, NY66 out of 100, Moderate$8.9B11.1%0.91%vs