TellerScore

Public Service Plaza Federal Credit Union is a federal credit union headquartered in Newark, New Jersey, in business for about 73 years. At the end of Q2 2026 it reported $13.1M in total assets and $10.3M in member shares and deposits, with 1 office.

Public Service Plaza Federal Credit Union has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 17th. Capital cushion contributes the most (100/100, 20.21%); loan quality contributes the least (54/100, 1.39%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.21%
Loan quality54/100
Loans 60+ days delinquent ÷ total loans: 1.39%
Earnings73/100
Return on assets (annualized): 1.32%
Funding & liquidity100/100
Loans ÷ shares: 20.6% · 0.0% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.12%

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 7 points (76 → 83), mostly because the earnings component improved by 36 points.

TellerScore
637485Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202480
Q4 202463
Q1 202573
Q2 202576
Q3 202577
Q4 202582
Q1 202685
Q2 202683
Net worth ratio
7.00%13.93%20.86%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202418.55%
Q3 202418.26%
Q4 202418.68%
Q1 202518.96%
Q2 202519.25%
Q3 202519.96%
Q4 202520.56%
Q1 202620.86%
Q2 202620.21%
Delinquent loans (60+ days)
0.30%1.54%2.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.30%
Q3 20240.68%
Q4 20242.79%
Q1 20251.06%
Q2 20251.35%
Q3 20251.35%
Q4 20250.97%
Q1 20260.99%
Q2 20261.39%
Return on assets
-0.22%0.55%1.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.23%
Q3 20240.23%
Q4 20240.36%
Q1 2025-0.22%
Q2 20250.43%
Q3 20250.51%
Q4 20250.78%
Q1 20261.22%
Q2 20261.32%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$13.1M20.21%1.39%1.32%20.6%
Q1 202685$12.5M20.86%0.99%1.22%21.4%
Q4 202582$12.5M20.56%0.97%0.78%21.3%
Q3 202577$12.7M19.96%1.35%0.51%19.7%
Q2 202576$13.0M19.25%1.35%0.43%19.2%
Q1 202573$13.0M18.96%1.06%-0.22%18.4%
Q4 202463$13.3M18.68%2.79%0.36%18.4%
Q3 202480$13.4M18.26%0.68%0.23%18.0%
Q2 202483$13.2M18.55%0.30%0.23%17.7%

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 ratio20.21%
78th
Problem loans1.39%
30th
Net charge-offs-0.41%
98th
Return on assets1.32%
80th
Loans to deposits20.6%
95th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio1.1%
64th

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P S E Federal Credit UnionCredit union Somerset, NJ71 out of 100, Strong$13.5M13.8%1.03%vs
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Deposit insurance

Is my money safe at Public Service Plaza Federal Credit Union?

Yes. Public Service Plaza Federal Credit Union is a federally insured credit union (NCUA charter #8993). 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 20.21%, 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 Plaza Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Public Service Plaza Federal Credit Union
Type
Federal credit union
NCUA charter #
8993
RSSD ID
336585
Primary regulator
NCUA
Established
1953
Headquarters
80 Park Plaza, Newark, NJ 07102
Employees
4

Quick answers

Public Service Plaza Federal Credit Union: common questions

Is Public Service Plaza Federal Credit Union NCUA insured?

Yes. Public Service Plaza Federal Credit Union is a federally insured credit union (NCUA charter #8993). 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 Plaza Federal Credit Union's TellerScore?

83 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 Plaza Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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NorthEast Community BankBank White Plains, NY90 out of 100, Very strong$2.1B17.3%0.00%vs