BlastPoint's Credit Union Scorecard
PUBLIC SERVICE H C EMPLOYEES
Charter #9082 · NJ
PUBLIC SERVICE H C EMPLOYEES has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.36% above tier average
- + Net Charge-Off Rate: Top 0.9% in tier
- + Net Worth Ratio: Top 2.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.82% below tier average
- - Delinquency rate 0.34% above tier average
- - Member decline: -7.7% YoY
- - Loan-to-Share Ratio: Bottom 3.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.8% in tier
- - Total Loans: Bottom 9.2% in tier
- - Member Growth Rate: Bottom 9.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in New Jersey.
- Shares and deposits -7.5% year over year ($4.3M in shares and deposits).
- Membership: 608 members, -7.7% vs a year ago.
- Delinquency rate 1.89%.
- Return on assets 0.67%.
- Efficiency ratio 78.83% vs a 88.77% peer average.
- Loan-to-share ratio 16.58% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
608
-7.7% YoY-1.0% QoQ
|
-2.0K |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
17% |
| Assets |
$7.1M
-3.8% YoY-0.3% QoQ
|
$-23.1M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
25% |
| Loans |
$716,153
-13.9% YoY-2.5% QoQ
|
$-14.7M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
Bottom 9.2% in tier |
| Deposits |
$4.3M
-7.5% YoY+0.5% QoQ
|
$-21.5M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
20% |
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| ROA |
0.7%
-65.9% YoY-21.8% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
42% |
| NIM |
4.3%
-3.1% YoY+2.1% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
68% |
| Efficiency Ratio |
78.8%
+41.8% YoY-0.9% QoQ
|
-9.9% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
45% |
| Delinquency Rate |
1.9%
+236.2% YoY
|
+0.3 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
77% |
| Loan To Share |
16.6%
-7.0% YoY-3.0% QoQ
|
-42.3% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 3.5% in tier |
| AMR |
$8,281
-0.8% YoY+1.0% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
20% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)