| Metric | P & S Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.7% | +1.3% | -0.6 pts |
| Share growth (YoY) | +0.5% | +0.9% | -0.4 pts |
| Loan growth (YoY) | -4.5% | -2.6% | -1.8 pts |
| ROA | 0.87% | 0.65% | +0.2 pts |
| ROE | 7.2% | 4.4% | +2.8 pts |
ROA ranks in the 61st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $24.9M | $21.6M | $15.7M | $3.0M | $108K | 0.87% | 3.88% | 0.02% | 2,104 |
| Q1 2026 | $24.6M | $21.4M | $15.7M | $2.9M | $26K | 0.43% | 3.72% | 0.04% | 2,156 |
| Q4 2025 | $25.5M | $22.2M | $16.6M | $2.9M | $356K | 1.40% | 4.15% | 0.02% | 2,173 |
| Q3 2025 | $24.8M | $21.7M | $16.8M | $2.8M | $136K | 0.73% | 4.29% | 0.02% | 2,178 |
| Q2 2025 | $24.7M | $21.5M | $16.4M | $2.7M | $168K | 1.36% | 4.29% | 0.17% | 2,186 |
| Q1 2025 | $25.3M | $22.5M | $17.1M | $2.6M | $59K | 0.94% | 4.20% | 0.17% | 2,191 |
| Q4 2024 | $23.9M | $21.1M | $17.1M | $2.6M | $397K | 1.66% | 4.30% | 0.27% | 2,215 |
| Q3 2024 | $25.0M | $22.3M | $17.5M | $2.5M | $297K | 1.58% | 4.09% | 0.20% |
| Ratio | P & S Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.87% | 0.65% | 61st | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 4.4% | 71st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 2,253 |
| Q2 2024 | $24.8M | $22.2M | $18.0M | $2.4M | $173K | 1.39% | 4.04% | 0.00% | 2,254 |
Loan mix (Q2 2026): real estate $3.9M · commercial $577K · consumer $6.9M · securities $6.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.5% | 80.6% | 49th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | P & S Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | P & S Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | P & S Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | P & S Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | P & S Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 2 counties across 2 states (+0 vs 2025). Biggest market: Salt Lake, UT, ranked 100th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Salt Lake, UT | 2 | $14.4M* | 0.00% | 100th |
| Gwinnett, GA | 1 | $7.2M* | 0.03% | 51st |
Utah: 128th with 0.00% · Georgia: 261st with 0.00% · Salt Lake City-Murray metro: 100th, 0.00% · Atlanta-Sandy Springs-Roswell metro: 124th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 2 · 2024 2 · 2025 3 · 2026 3