Brick, New Jersey · Peer group 2
Public Service H C Employees Credit Union
Public Service H C Employees Credit Union holds $7.2M in assets across 614 members as of Q1 2026 — about $12K of assets per member, on a charter dating to 1953. Charter number 9082, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $7.2M |
|---|---|
| Total loans | $735K |
| Total shares (deposits) | $4.3M |
| Net worth | $2.8M |
| Members | 614 |
| Assets per member | $12K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -4.4% | |
|---|---|---|
| Loans | -8.7% | around the 39th percentile of its peer group |
| Deposits | -10.0% | around the 12th percentile of its peer group |
| Members | -7.5% | lower than 91% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 17.1% | lower than 95% of its peer group |
|---|---|---|
| Net worth ratio | 39.2% | higher than 95% of its peer group |
| Return on assets | 0.86% | around the 69th percentile of its peer group |
| Delinquency ratio | 0.00% | around the 11th percentile of its peer group |
| Cash / assets | 5.3% | lower than 90% of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Public Service H C Employees Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within New Jersey — the comparison set a peer ratio is measured against.
- Elizabeth (n.j.) Firemen's Credit Union
Elizabeth, NJ
$7.2M · 1,127 members
- New Jersey State Pba Credit Union
Woodbridge, NJ
$7.1M · 1,074 members
- Ocnac #1 Credit Union
jersey city, NJ
$7.1M · 2,127 members
- Fort Dix Credit Union
Joint Base MDL, NJ
$7.3M · 533 members
- Passaic Police Credit Union
Passaic, NJ
$7.3M · 613 members
- Linden Nj Police & Firemen Credit Union
LINDEN, NJ
$7.0M · 931 members
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