P & S Credit Union

P & S Credit Union is a small, member-owned credit union founded in 1956 in Salt Lake City, Utah, offering savings, investing, and insurance programs to its members under a community or occupational charter.

Company typePrivate
Founded1956
HeadquartersSalt Lake City, United States
Headcount1–10
GTM typeB2C
OfferingServices

What P & S Credit Union does

P & S Credit Union is a full-service, member-owned cooperative depository institution founded in 1956 and headquartered in Salt Lake City, Utah. Per the available firmographic record, the institution offers programs covering savings, investing, and insurance to its members, consistent with the standard product set of a community-charter credit union: share deposits, consumer loans, and member financial services. Operationally, the organization is extremely small, with headcount stated as 1-10 employees, indicating either a narrowly defined field of membership, a niche occupational or community charter, or a wind-down toward merger. No parent company, subsidiaries, or branch network beyond the Salt Lake City headquarters is referenced.

The business model of a credit union is structurally distinct from a commercial bank: P & S Credit Union is member-owned (not shareholder-owned), accepts member share deposits, and earns net interest margin on loans funded by those deposits, supplemented by fee income from ancillary services such as insurance and investment programs. Its go-to-market is implicitly restricted to its chartered field of membership — the specific employer, association, or geographic community that defines eligibility to join. No pricing, product mix, deposit rates, loan yields, or distribution channels are disclosed in the source material. The company website at pandscu.org is presently accessible only through a Cloudflare-style verification/loading screen, and no call report data, NCUA filings, management roster, or financial disclosures are available in the input set, materially limiting further inference about scale, product depth, or competitive positioning.

P & S Credit Union firmographics

Firmographics

Name: P & S Credit Union
Legal name: P & S Credit Union
Website: https://pandscu.org
Company type: Private
Founded year: 1956
Operating status: Operating
Headcount range: 1–10 employees
Short description: P & S Credit Union is a small, member-owned credit union founded in 1956 in Salt Lake City, Utah, offering savings, investing, and insurance programs to its members under a community or occupational charter.
Ownership category
akta.pro rank

P & S Credit Union industry classification

Industry

Product category: Retail Banking
NAICS: Credit Unions (522130)
SIC: Personal Credit Institutions (6141)
akta.pro industry: PRIMARYFSABAEAA
Community Credit Unions (Retail/Consumer Focus)
Financial & Insurance/Banking (Commerical, Retail & Consumer)/Community & Cooperative Banking (Credit Unions, Mutuals)

Keywords

Retail banking services
Member savings programs
Consumer lending
Credit union services
Personal insurance products

Where P & S Credit Union is headquartered

Location

Headquarters

HQ city: Salt Lake City
HQ country: United States
HQ region: North America

Markets served

P & S Credit Union business model

Business model

GTM type: B2C
Offering type: Services
Cost components: Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

P & S Credit Union product offering

Product offering

Core offering

P & S Credit Union is a full-service credit union that provides programs to assist members in saving, investing, and insuring their assets. As a member-owned financial cooperative founded in 1956 and based in Salt Lake City, it delivers traditional retail financial services to its member base.

Differentiator

Problem solved

Functional benefit

Products and services

Member Savings Programs

Companies that use P & S Credit Union

Customer profile

Ideal customer profiles1 record

P & S Credit Union technology and API

Technology

Technology focussed No

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

P & S Credit Union partnerships and signals

Strategic signal

Recent moves1 record

Expansion highlights1 record

P & S Credit Union competitors and assessment

Company assessment

Direct peers

University First Credit Union: Salt Lake City-based community credit union offering consumer banking and lending products. Comparable as a small local cooperative competing in the same metropolitan member pool.
Mountain America Credit Union: Large Utah-headquartered credit union serving members across the Salt Lake City market with full-service banking, lending, and investment products. Directly comparable as a fellow Utah-based community credit union competing for the same local membership base.
America First Credit Union: One of the largest credit unions in the United States, headquartered in Riverdale, Utah, with strong Salt Lake City presence. Competes head-to-head with P & S for Utah consumer and small-business members across deposits, lending, and insurance.
Cyprus Credit Union: Salt Lake City-based community credit union offering deposit, lending, and member services. Directly comparable due to overlapping Salt Lake City service area and similar cooperative member-owned model.
Goldenwest Credit Union: Utah-based cooperative credit union offering full-service consumer and mortgage products. Comparable as a fellow Utah credit union competing for retail members with similar savings and lending offerings.
Deseret First Credit Union: Utah-headquartered community credit union serving Salt Lake City-area members with deposits, lending, and investment services. Comparable product set and geography to P & S Credit Union.
Utah Community Credit Union (UCCU): Provo-based but Salt Lake City-serving community credit union with full-service banking, mortgage, and investment offerings. Comparable Utah-market cooperative competitor.
Members First Credit Union: Utah-based community credit union serving members with deposit, lending, and ancillary financial products. Comparable in scope, geography, and member-owned structure.

Regional players

Alliant Credit Union: Large U.S. digital-first credit union with national membership reach. Comparable as a cooperative competitor offering savings, lending, and investment products, though not geographically overlapping with Salt Lake City.
BECU (Boeing Employees Credit Union): Large employer-based credit union serving a defined field of membership with full-service banking. Comparable cooperative structure and member-focused model to P & S Credit Union, though operating on a much larger scale and outside Utah.

Market position

Strengths3 records

Weaknesses4 records

Competitive moat2 records

Key risks4 records

Key highlights3 records

Customer concentration

P & S Credit Union financial estimates

Financial estimate

Revenue estimate

Valuation estimate

P & S Credit Union leadership team

Management profile

Number of profiles

P & S Credit Union funding detail

Funding detail

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

P & S Credit Union M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about P & S Credit Union

What does P & S Credit Union do?

When was P & S Credit Union founded?

P & S Credit Union was founded in 1956. It employs 1 to 10 people.

Where is P & S Credit Union based?

P & S Credit Union is headquartered in Salt Lake City, United States, in the North America region.

Who are P & S Credit Union's main competitors?

Direct peers on record are University First Credit Union, Mountain America Credit Union, America First Credit Union, Cyprus Credit Union, Goldenwest Credit Union, Deseret First Credit Union, Utah Community Credit Union (UCCU) and Members First Credit Union. Regional players are Alliant Credit Union and BECU (Boeing Employees Credit Union).

Does P & S Credit Union have an API?

No public API is recorded for P & S Credit Union.

What industry is P & S Credit Union in?

P & S Credit Union's product category is Retail Banking. Its primary akta.pro industry code is FSABAEAA, Community Credit Unions (Retail/Consumer Focus). Its NAICS code is 522130 and its SIC code is 6141.