PUBLIC SERVICE
Charter #60683 · Romulus, MI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 31,795 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.27% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.01% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.56% sits at the 79th percentile of structural peers — worth a closer look.
- On Share growth YoY, the asset-size band puts this credit union at the 50th percentile but its structural peers at the 31st — a 19-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 | PUBLIC SERVICE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $459.43M | 96th pct | 82th pct |
| Members | 31,795 | 95th pct | 89th pct |
| Net worth ratio | 11.61% | 51th pct | 69th pct |
| Return on average assets | 1.05% | 72th pct | 59th pct |
| Net interest margin | 3.67% | 51th pct | 61th pct |
| Cost of funds | 0.27% | 12th pct | 11th pct |
| Loan-to-share | 76.28% | 59th pct | 49th pct |
| Delinquency 60+ days | 1.01% | 76th pct | 85th pct |
| Net charge-off ratio | 0.56% | 70th pct | 79th pct |
| Loan growth YoY | 0.48% | 52th pct | 36th pct |
| Share growth YoY | 3.46% | 50th pct | 31th pct |
| Efficiency ratio | 78.40% | 49th pct | 52th pct |
structural peer set hash: 5b66afe0b179088ddb586b7130efa1b8… (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.