Public Service H C Employees

Brick, NJ · 1 · Charter #9082
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
$7.4M
34th percentile
Members
633
22th percentile
Total loans
$809.0K
12th percentile
Total shares
$4.5M
28th percentile

Profitability

Return on assets
1.75%
86th percentile
Net interest margin
4.40%
66th percentile
Efficiency ratio
57.41%
71th percentile
Non-interest income ratio
1.20%
15th percentile

Capital & Risk

Net worth ratio
38.06%
96th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.89%
20th percentile
Loan-to-share
17.82%
4th percentile

Growth

Member growth YoY
-6.08%
13th percentile
Asset growth YoY
-5.50%
15th percentile
Loan growth YoY
-0.52%
60th percentile
Share growth YoY
-10.77%
7th percentile

Operations

Members / branch
633
29th percentile
Assets / member
$11,613
68th percentile
Field of membership penetration
90.43%
96th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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