Credit Union Safety Analysis
Is P & S Credit Union Safe? Salt Lake City, Utah
Based on its Q2 2026 NCUA 5300 call report, P & S Credit Union has a net worth ratio of 12.09%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.02%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, P & S Credit Union's net worth ratio is 12.09%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 12.09%
- Delinquency ratio (60+ days) (Q2 2026): 0.02%
- Return on assets (Q2 2026): 1.32%
- Loan-to-share ratio (Q2 2026): 72.35%
P & S Credit Union (NCUA charter 67056, established 1956) reported $24.9M in assets and 2,104 members for Q2 2026 from Salt Lake City, Utah. It ranks 37 of 50 credit unions in Utah by total assets. Total assets grew 0.7% from $24.7M on June 30, 2025. It has 82 fewer members than on June 30, 2025 (-3.8%). Its net worth ratio was up 1.08 percentage points from 11.01% on June 30, 2025. Used vehicle loans are its largest loan category, $4.8M of $15.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.02% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 11.88% for Q1 2026; 11.01% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.04% for Q1 2026; 0.17% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.43% for Q1 2026; 1.76% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 73.45% for Q1 2026; 76.10% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $4.8M
- Other secured non-real estate loans and lines of credit: $4.3M
- 1- to 4-family residential and other consumer real estate loans: $3.9M
- New vehicle loans: $1.6M
- Commercial loans: $577K
- Unsecured credit card loans: $312K
- Other unsecured loans and lines of credit: $200K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $24.9M | 12.09% | 0.02% | 1.32% | 72.35% |
| March 31, 2026 | $24.6M | 11.88% | 0.04% | 0.43% | 73.45% |
| December 31, 2025 | $25.5M | 11.42% | 0.02% | 3.45% | 74.54% |
| September 30, 2025 | $24.8M | 11.35% | 0.02% | -0.52% | 77.07% |
| June 30, 2025 | $24.7M | 11.01% | 0.17% | 1.76% | 76.10% |
| March 31, 2025 | $25.3M | 10.36% | 0.17% | 0.94% | 75.95% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 67056) · FFIEC NIC profile (RSSD 206183)
Frequently asked questions
Is P & S Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, P & S Credit Union's net worth ratio is 12.09%, above the 7% NCUA threshold for well capitalized.
Is P & S Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. P & S Credit Union is a federally insured credit union (NCUA charter 67056): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are P & S Credit Union's key safety ratios?
For Q2 2026, P & S Credit Union reports net worth 12.09%, delinquency 0.02%, ROA 1.32%, loan-to-share 72.35%.
What happens to my money if P & S Credit Union fails?
For Q2 2026, P & S Credit Union held $21.6M in shares and deposits for 2,104 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.