P & S
Charter #67056 · Salt Lake City, UT · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.04% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 35th percentile but its structural peers at the 54th — a 19-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | P & S | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $24.64M | 48th pct | 33th pct |
| Members | 2,156 | 52th pct | 41th pct |
| Net worth ratio | 11.88% | 35th pct | 54th pct |
| Return on average assets | 0.42% | 37th pct | 38th pct |
| Net interest margin | 3.66% | 40th pct | 26th pct |
| Cost of funds | 1.43% | 76th pct | 74th pct |
| Loan-to-share | 73.45% | 75th pct | 61th pct |
| Delinquency 60+ days | 0.04% | 13th pct | 11th pct |
| Net charge-off ratio | 0.00% | 23th pct | 21th pct |
| Loan growth YoY | -6.13% | 23th pct | 7th pct |
| Share growth YoY | -1.51% | 15th pct | 18th pct |
| Efficiency ratio | 89.88% | 73th pct | 64th pct |
structural peer set hash: 4a47f2f9a66e75588fc807ebd7cd9507… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.