Sep, 30, 2025 — PUBLIC SERVICE FEDERAL CREDIT UNION is a federal credit union headquartered in MIDDLESEX, NJ with 1 branch location and about $40.08 million in total assets. Opened 69 years ago in 1957, PUBLIC SERVICE FEDERAL CREDIT UNION has about 3,729 members and employs 7 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | PUBLIC SERVICE FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 619 Union Ave MIDDLESEX, NJ 08846 |
| Phone: | (732) 805-9000 |
| Fax: | (732) 805-0539 |
| Website: | https://www.psfcunj.com |
| Branches: | 1 branch locations |
| Members: | 3,729 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 11779 |
|---|---|
| Membership Type: | Multiple common bond - Primarily communications and utilities |
| Corporate Credit Union: | No |
| Year Opened: | 1957 |
| Last Audited: | Jun 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $40,078,701 |
| CEO/Manager: | Amanda Gannon |
| Chairperson: | Harrison Burd Jr |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,546,713 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 1,661,249 |
| Unsecured Loans | 2,865,276 |
| Other Loans | 9,672,754 |
| TOTAL LOANS | 14,199,280 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -70,917 |
| Land And Building | 133,255 |
| Other Fixed Assets | 532 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 346,380 |
| All Other Assets | 0 |
| TOTAL ASSETS | 40,078,701 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 75,663 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 2,968,977 |
| Regular shares | 14,825,855 |
| All Other Shares & Deposits | 16,183,931 |
| TOTAL SHARES & DEPOSITS | 33,978,762 |
| TOTAL LIABILITIES | 34,054,425 |
| Regular Reserve | 0 |
| Other Reserves | 444,193 |
| Undivided Earnings | 5,580,083 |
| TOTAL EQUITY | 6,024,276 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 40,078,701 |
| INCOME & EXPENSE | |
| Loan Income | 752,400 |
| Investment Income | 419,094 |
| Other Income | 43,156 |
| Total Employee Compensation & Benefits | 332,356 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 281,000 |
| Non-operating Income & (Expense) | 5,066 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 73,816 |
| Cost of Funds | 387,698 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 227,052 |
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