Side-by-side · Q2 2026 data
Ridgeline Federal Credit Union vs P & S Credit Union
Credit union
Ridgeline Federal Credit Union
Salt Lake City, Utah · Under $100 million in assets
Metric by metric
| Measure | Ridgeline Federal Credit Union | P & S Credit Union |
|---|---|---|
| TellerScore | 56 | 80 (stronger) |
| Capital cushion | 42 | 71 (stronger) |
| Loan quality | 70 | 99 (stronger) |
| Earnings | 7 | 55 (stronger) |
| Funding & liquidity | 100 (stronger) | 88 |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 16th | 65th |
| Total assets | $27.6M | $24.9M |
| Deposits / shares | $25.0M | $21.6M |
| Capital ratio | 9.23% | 12.09% (stronger) |
| Problem loans | 0.91% | 0.02% (stronger) |
| Net charge-offs | 0.14% (stronger) | 0.20% |
| Return on assets | -0.31% | 0.87% (stronger) |
| Loans ÷ deposits | 50.8% (stronger) | 72.4% |
| Uninsured deposits | 9.2% | 9.1% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
P & S Credit Union has the higher TellerScore (80 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Ridgeline Federal Credit Union leads on 2 and P & S Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.