Credit union · NCUA insured
Public Service Federal Credit Union
A $40.7M credit union headquartered in Middlesex, NJ, with 3,926 members and 1 branch in New Jersey. Best rates: CDs 3.67% and savings 0.50% APY.
Public Service Federal Credit Union Carrot Score
70
Carrot Score
Higher than 27% of U.S. banks and credit unions
#113 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Public Service Federal Credit Union
- Headquarters
- 619 Union Ave, Middlesex, NJ 08846
- NCUA charter
- 11779
Branches
1 branch in New Jersey
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New Jersey
1 branch
- MiddlesexMain office619 Union Ave, Middlesex, NJ 08846Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 15.91% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.24% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.33% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $39 | $59 | — |
- CapitalNet worth ratio15.91%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.24%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.33%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$39Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Public Service Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.