PUBLIC SERVICE PLAZA
Charter #8993 · Newark, NJ · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 949 sits at the 18th percentile of structural peers — worth a closer look.
- Net interest margin of 2.96% sits at the 21st percentile of structural peers — worth a closer look.
- Cost of funds of 1.40% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -1.38% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 59.16% ranks in the 20th 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 PLAZA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $12.45M | 11th pct | 38th pct |
| Members | 949 | 4th pct | 18th pct |
| Net worth ratio | 20.86% | 88th pct | 72th pct |
| Return on average assets | 1.21% | 76th pct | 64th pct |
| Net interest margin | 2.96% | 15th pct | 21th pct |
| Cost of funds | 1.40% | 75th pct | 84th pct |
| Loan-to-share | 21.44% | 4th pct | 10th pct |
| Delinquency 60+ days | 0.99% | 68th pct | 51th pct |
| Net charge-off ratio | -1.38% | 0th pct | 2th pct |
| Loan growth YoY | 6.08% | 94th pct | 95th pct |
| Share growth YoY | -2.73% | 10th pct | 15th pct |
| Efficiency ratio | 59.16% | 10th pct | 20th pct |
structural peer set hash: 789ed1fb05c0206d22279586b99b2049… (reproducible)
Closest structural peers
This is the free public view
Claim PUBLIC SERVICE PLAZA
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.