P.S.E. & G. NUCLEAR EMPLOYEES
Charter #24226 · HANCOCKS BRIDGE, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 936 sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 0.10% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 2.01% sits at the 90th percentile of structural peers — worth a closer look.
- Efficiency ratio of 90.45% sits at the 80th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 21st percentile but its structural peers at the 44th — a 23-point gap showing why the peer definition matters.
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 | P.S.E. & G. NUCLEAR EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.02M | 0th pct | 18th pct |
| Members | 936 | 4th pct | 18th pct |
| Net worth ratio | 13.68% | 50th pct | 57th pct |
| Return on average assets | 0.37% | 34th pct | 41th pct |
| Net interest margin | 3.70% | 43th pct | 52th pct |
| Cost of funds | 0.10% | 6th pct | 7th pct |
| Loan-to-share | 39.85% | 21th pct | 44th pct |
| Delinquency 60+ days | 0.34% | 38th pct | 33th pct |
| Net charge-off ratio | 2.01% | 95th pct | 90th pct |
| Loan growth YoY | -20.30% | 0th pct | 0th pct |
| Share growth YoY | -0.45% | 23th pct | 39th pct |
| Efficiency ratio | 90.45% | 74th pct | 80th pct |
structural peer set hash: c601464032be1c3a3f61a20d740da0dd… (reproducible)
Closest structural peers
This is the free public view
Claim P.S.E. & G. NUCLEAR EMPLOYEES
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.