PUBLIC SERVICE H C EMPLOYEES
Charter #9082 · Brick, NJ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 39.23% ranks in the 77th 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 -1.24% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 9th percentile but its structural peers at the 33rd — a 24-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 H C EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.17M | 81th pct | 74th pct |
| Members | 614 | 52th pct | 66th pct |
| Net worth ratio | 39.23% | 94th pct | 77th pct |
| Return on average assets | 0.85% | 67th pct | 56th pct |
| Net interest margin | 4.12% | 53th pct | 74th pct |
| Cost of funds | 0.32% | 40th pct | 39th pct |
| Loan-to-share | 17.09% | 9th pct | 33th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -1.24% | 3th pct | 8th pct |
| Loan growth YoY | -8.31% | 34th pct | 30th pct |
| Share growth YoY | -5.03% | 17th pct | 20th pct |
| Efficiency ratio | 79.54% | 38th pct | 52th pct |
structural peer set hash: 631f5a3ccd3d05e49327517f164acb4a… (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.