P & S Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 0.7 has resulted in Good (6.1) profitability.
Other Rating Factors:
A current level of 0.1 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.9). Excellent current capitalization (9.6 on a scale of 0 to 10) based on a net capital to total assets of 11.3 and a net worth ratio of 11.4.
Asset Mix:
Consumer loans (30%), home mtgs (9%), comm loans (2%), other (58%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
2250 South Redwood Road
Salt Lake City, UT 84119
Salt Lake City, UT 84119
Phone Number
(801) 973-0575
NCUA Charter Number
Website
Largest Competitors
Salt Lake City, UT
Salt Lake City, UT
Salt Lake City, UT
Salt Lake City, UT
Salt Lake City, UT