PUBLIC SERVICE E.D. TRENTON
Charter #10741 · Mercerville, NJ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 241 sits at the 13th percentile of structural peers — worth a closer look.
- Net worth ratio of 47.23% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 5.11% sits at the 89th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PUBLIC SERVICE E.D. TRENTON | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.70M | 37th pct | 26th pct |
| Members | 241 | 19th pct | 13th pct |
| Net worth ratio | 47.23% | 97th pct | 87th pct |
| Return on average assets | 1.21% | 77th pct | 70th pct |
| Net interest margin | 3.58% | 36th pct | 26th pct |
| Cost of funds | 0.39% | 43th pct | 36th pct |
| Loan-to-share | 42.61% | 32th pct | 20th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 5.11% | 95th pct | 89th pct |
| Loan growth YoY | 1.32% | 79th pct | 85th pct |
| Share growth YoY | -7.50% | 11th pct | 10th pct |
| Efficiency ratio | 66.21% | 21th pct | 30th pct |
structural peer set hash: dae8ece1ebeee361b64472557314495f… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.