Public Service

Middlesex, NJ · 1 · Charter #11779 · www.psfcunj.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$40.3M
90th percentile
Members
3,714
92th percentile
Total loans
$13.9M
76th percentile
Total shares
$34.0M
90th percentile

Profitability

Return on assets
1.07%
63th percentile
Net interest margin
2.66%
11th percentile
Efficiency ratio
45.93%
88th percentile
Non-interest income ratio
9.46%
51th percentile

Capital & Risk

Net worth ratio
15.29%
52th percentile
Delinquency rate
0.41%
62th percentile
Net charge-off rate
0.46%
35th percentile
Loan-to-share
40.86%
23th percentile

Growth

Member growth YoY
-3.13%
32th percentile
Asset growth YoY
-0.83%
37th percentile
Loan growth YoY
-19.86%
6th percentile
Share growth YoY
-1.86%
35th percentile

Operations

Members / branch
3,714
96th percentile
Assets / member
$10,840
63th percentile
Field of membership penetration
74.28%
88th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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