PUBLIC SERVICE
Charter #11779 · Middlesex, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 3,926 ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.31% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.42% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.61% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 61.17% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
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 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $40.66M | 84th pct | 77th pct |
| Members | 3,926 | 90th pct | 90th pct |
| Net worth ratio | 15.47% | 63th pct | 54th pct |
| Return on average assets | 1.31% | 80th pct | 79th pct |
| Net interest margin | 2.97% | 15th pct | 30th pct |
| Cost of funds | 1.42% | 76th pct | 79th pct |
| Loan-to-share | 38.71% | 19th pct | 54th pct |
| Delinquency 60+ days | 0.77% | 59th pct | 62th pct |
| Net charge-off ratio | -0.61% | 2th pct | 2th pct |
| Loan growth YoY | -6.48% | 21th pct | 39th pct |
| Share growth YoY | 0.97% | 35th pct | 28th pct |
| Efficiency ratio | 61.17% | 13th pct | 21th pct |
structural peer set hash: 14300708fc93728040af7af1f06521dc… (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.