TellerScore

P & S Credit Union (NCUA charter #67056) is based in Salt Lake City, Utah. Its Q2 2026 call report shows $24.9M in total assets and $21.6M in member shares and deposits and 3 offices across 2 states.

Based on its Q2 2026 filing, P & S Credit Union scores 80/100, which we describe as strong. That is higher than 65% of 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Utah, it ranks 17th. Its strongest component is problem-loan coverage (100/100; 0.1%), and its lowest is earnings (55/100; 0.87%).

TellerScore · Q2 2026

Scorecard

Capital cushion71/100
Net worth ratio: 12.09%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.02%
Earnings55/100
Return on assets (annualized): 0.87%
Funding & liquidity88/100
Loans ÷ shares: 72.4% · 9.1% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.10%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 80).

TellerScore
747882Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202475
Q3 202477
Q4 202479
Q1 202574
Q2 202579
Q3 202576
Q4 202582
Q1 202676
Q2 202680
Net worth ratio
7.00%9.54%12.09%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 20249.45%
Q3 20249.90%
Q4 202410.75%
Q1 202510.36%
Q2 202511.01%
Q3 202511.35%
Q4 202511.42%
Q1 202611.88%
Q2 202612.09%
Delinquent loans (60+ days)
0.00%0.13%0.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.20%
Q4 20240.27%
Q1 20250.17%
Q2 20250.17%
Q3 20250.02%
Q4 20250.02%
Q1 20260.04%
Q2 20260.02%
Return on assets
0.43%1.04%1.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.39%
Q3 20241.58%
Q4 20241.66%
Q1 20250.94%
Q2 20251.36%
Q3 20250.73%
Q4 20251.39%
Q1 20260.43%
Q2 20260.87%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$24.9M12.09%0.02%0.87%72.4%
Q1 202676$24.6M11.88%0.04%0.43%73.5%
Q4 202582$25.5M11.42%0.02%1.39%74.5%
Q3 202576$24.8M11.35%0.02%0.73%77.1%
Q2 202579$24.7M11.01%0.17%1.36%76.1%
Q1 202574$25.3M10.36%0.17%0.94%75.9%
Q4 202479$23.9M10.75%0.27%1.66%80.8%
Q3 202477$25.0M9.90%0.20%1.58%78.3%
Q2 202475$24.8M9.45%0.00%1.39%81.2%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.09%
32nd
Problem loans0.02%
86th
Net charge-offs0.20%
47th
Return on assets0.87%
61st
Loans to deposits72.4%
30th
Uninsured deposits9.1%
8th
Loan-loss reserves0.00%
37th
Texas ratio0.1%
84th

Similar-size credit unions in Utah

InstitutionScoreAssetsCapitalProblem loansCompare
Ridgeline Federal Credit UnionCredit union Salt Lake City, UT56 out of 100, Moderate$27.6M9.2%0.91%vs
New Heights Federal Credit UnionCredit union Logan, UT75 out of 100, Strong$27.7M14.9%0.93%vs
Devils Slide Federal Credit UnionCredit union Morgan, UT67 out of 100, Moderate$20.9M12.7%0.48%vs
San Juan Credit UnionCredit union Blanding, UT62 out of 100, Moderate$29.9M13.9%2.31%vs
Logan Medical Federal Credit UnionCredit union Logan, UT67 out of 100, Moderate$33.2M18.4%2.80%vs
Varex Federal Credit UnionCredit union Salt Lake City, UT85 out of 100, Very strong$16.5M19.1%0.07%vs

Deposit insurance

Is my money safe at P & S Credit Union?

Yes. P & S Credit Union is a federally insured credit union (NCUA charter #67056). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 9.1% of shares and deposits ($2.0M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 12.09%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

P & S Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
P & S Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67056
RSSD ID
206183
Primary regulator
State + NCUA
Established
1980
Headquarters
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119
Employees
7

Quick answers

P & S Credit Union: common questions

Is P & S Credit Union NCUA insured?

Yes. P & S Credit Union is a federally insured credit union (NCUA charter #67056). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is P & S Credit Union's TellerScore?

80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does P & S Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Salt Lake City

InstitutionScoreAssetsCapitalProblem loansCompare
Uintah Credit UnionCredit union Vernal, UT100 out of 100, Very strong$3.9M21.3%0.00%vs
Norfolk Fire Department Federal Credit UnionCredit union Norfolk, VA93 out of 100, Very strong$26.8M20.1%0.41%vs
Optum Bank, Inc.Bank Draper, UT93 out of 100, Very strong$21.4B13.2%0.21%vs
Beckstrand and Associates Credit UnionCredit union Salt Lake City, UT93 out of 100, Very strong$166K99.9%—vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Wiremen'S Credit UnionCredit union Parma, OH92 out of 100, Very strong$40.6M17.0%0.11%vs