PUBLIC SERVICE Credit Union Profile

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PUBLIC SERVICE

Charter #60683 | NCUA Region 1 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (734) 641-8400

Fax: (734) 641-8470

Founding Date: N/A

Website: http://www.pscunow.com

Personnel & Operations

President: Morgan, Fred

Manager: Trudeau, Dean

FT Employees: 111

PT Employees: 14

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 11

Hours: M-TH 9 AM to 5 PM FRI 9 AM TO 6 PM SAT 9 AM

Credit Union Profile Summary

PUBLIC SERVICE is a FISCU Credit Union. With a total of 32,043 members ^[1], this institution manages approximately $429,622,197 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 11.79% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 0.42% ^[1].

Financial Snapshot

Total Assets ^[1]

$429,622,197

Total economic resources.

Total Loans ^[1]

$276,357,848

Total value of outstanding loans.

Total Deposits ^[1]

$372,117,613

Total funds deposited by members.

Members ^[1]

32,043

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

11.79%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.62%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

74.27%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 0.99%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↑ 0.42%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↓ -1.32%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

7665 Merriman Rd

Romulus, MI, 48174-1920

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 10 branches reported by PUBLIC SERVICE (Charter #60683).

Main Office

Public Service Credit Union Main Office

Type: Corporate Office

7665 Merriman Rd

Romulus, MI 48174-1920

Phone: (734) 641-8400

Services: Member Services, ATM, Drive-Thru

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Additional Branches

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Grosse Ile

Grosse Ile Branch

Type: Branch Office

8095 Macomb St

Grosse Ile, MI 48138

Phone: (734) 671-3060

Services: Member Services, ATM, Drive-Thru

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