Public Service Plaza

Newark, NJ · 1 · Charter #8993 · www.PSPLAZAFCU.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
$12.5M
48th percentile
Members
954
35th percentile
Total loans
$2.1M
23th percentile
Total shares
$9.9M
47th percentile

Profitability

Return on assets
1.00%
59th percentile
Net interest margin
2.60%
10th percentile
Efficiency ratio
43.93%
89th percentile
Non-interest income ratio
0.51%
10th percentile

Capital & Risk

Net worth ratio
20.56%
76th percentile
Delinquency rate
0.97%
42th percentile
Net charge-off rate
2.50%
5th percentile
Loan-to-share
21.28%
6th percentile

Growth

Member growth YoY
0.00%
66th percentile
Asset growth YoY
-5.59%
15th percentile
Loan growth YoY
6.75%
84th percentile
Share growth YoY
-7.83%
12th percentile

Operations

Members / branch
954
44th percentile
Assets / member
$13,126
77th percentile
Field of membership penetration
63.60%
80th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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