Civic Intelligence

P&S Credit Union

EIN 87-0239728 • 501(c)14 • Salt Lake City, UT

View Organization Page

Profile

Credit union / financial services - where people and service matter

2250 S Redwood Road Ste 6Salt Lake City, UT 84119

www.pandscu.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

80th percentile

0.91x

Higher debt load relative to assets than 80% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2023

Liabilities / Revenue

42nd percentile

16.61x

Higher debt load relative to revenue than 42% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2023

Net Margin

88th percentile

25%

Higher net margin than 88% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Source year 2023

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

100th percentile

19%

Faster asset growth than 100% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2022 to 2023

Revenue Growth

98th percentile

55%

Faster revenue growth than 98% of similar nonprofits.

501(c)14 • $10M-$25M nonprofits • Annualized from 2022 to 2023

Balance Sheet
Liabilities / Assets80th percentile

Assets

Up

$23,212,757

Up $3,691,130 (+19%) from 2022

Liabilities

Up

$21,064,550

Up $2,992,402 (+17%) from 2022

Net Assets

Up

$2,148,207

Up $698,728 (+48%) from 2022

Operations
Liabilities / Revenue42nd percentileNet Margin88th percentile

Revenue

Up

$1,268,075

Up $449,635 (+55%) from 2022

Expenses

Up

$952,272

Up $246,128 (+35%) from 2022

Net Income

Up

$315,803

Up $203,507 (+181%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth100th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$30M$20M$10M$0Assets 2010: $11,881,069Liabilities 2010: $10,878,367Net Assets 2010: $1,002,7022010Assets 2011: $11,901,503Liabilities 2011: $10,750,403Net Assets 2011: $1,151,1002011Assets 2012: $13,326,038Liabilities 2012: $11,984,418Net Assets 2012: $1,341,6202012Assets 2013: $13,515,523Liabilities 2013: $12,045,934Net Assets 2013: $1,469,5892013Assets 2014: $14,122,875Liabilities 2014: $12,832,108Net Assets 2014: $1,290,7672014Assets 2015: $13,956,271Liabilities 2015: $12,708,050Net Assets 2015: $1,248,2212015Assets 2016: $14,790,353Liabilities 2016: $13,529,930Net Assets 2016: $1,260,4232016Assets 2017: $15,661,665Liabilities 2017: $14,302,540Net Assets 2017: $1,359,1252017Assets 2018: $16,990,799Liabilities 2018: $15,547,391Net Assets 2018: $1,443,4082018Assets 2019: $14,750,940Liabilities 2019: $13,207,565Net Assets 2019: $1,543,3752019Assets 2020: $15,805,118Liabilities 2020: $14,489,521Net Assets 2020: $1,315,5972020Assets 2021: $17,592,737Liabilities 2021: $16,255,555Net Assets 2021: $1,337,1822021Assets 2022: $19,521,627Liabilities 2022: $18,072,148Net Assets 2022: $1,449,4792022Assets 2023: $23,212,757Liabilities 2023: $21,064,550Net Assets 2023: $2,148,2072023

Highlighted filing

2023

Assets$23,212,757
Liabilities$21,064,550
Net Assets$2,148,207
Open 2023 Filing

Operations Trend

Revenue Growth98th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.5M$1.0M$500K$0-$500KExpenses 2010: $792,7612010Expenses 2011: $552,6392011Revenue 2012: $694,423Expenses 2012: $575,039Net Income 2012: $119,3842012Revenue 2013: $753,732Expenses 2013: $623,657Net Income 2013: $130,0752013Revenue 2014: $672,817Expenses 2014: $850,208Net Income 2014: -$177,3912014Revenue 2015: $679,867Expenses 2015: $722,793Net Income 2015: -$42,9262015Revenue 2016: $664,097Expenses 2016: $652,999Net Income 2016: $11,0982016Revenue 2017: $756,076Expenses 2017: $649,844Net Income 2017: $106,2322017Revenue 2018: $803,162Expenses 2018: $712,474Net Income 2018: $90,6882018Revenue 2019: $837,163Expenses 2019: $749,278Net Income 2019: $87,8852019Revenue 2020: $733,893Expenses 2020: $963,473Net Income 2020: -$229,5802020Revenue 2021: $706,253Expenses 2021: $684,668Net Income 2021: $21,5852021Revenue 2022: $818,440Expenses 2022: $706,144Net Income 2022: $112,2962022Revenue 2023: $1,268,075Expenses 2023: $952,272Net Income 2023: $315,8032023

Highlighted filing

2023

Revenue$1,268,075
Expenses$952,272
Net Income$315,803
Open 2023 Filing

Filings

Most recent year

2023 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$23,212,757
Liabilities
$21,064,550
Net assets
$2,148,207
Revenue
$1,268,075
Expenses
$952,272
Net income
$315,803
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2023Detailed filing. Detailed filing data is available for this year.$23.2$21.1$2.15$1.27$0.95$0.32
2022Detailed filing. Detailed filing data is available for this year.$19.5$18.1$1.45$0.82$0.71$0.11
2021Detailed filing. Detailed filing data is available for this year.$17.6$16.3$1.34$0.71$0.68$0.02
2020Detailed filing. Detailed filing data is available for this year.$15.8$14.5$1.32$0.73$0.96$0.23
2019Detailed filing. Detailed filing data is available for this year.$14.8$13.2$1.54$0.84$0.75$0.09
2018Detailed filing. Detailed filing data is available for this year.$17.0$15.5$1.44$0.80$0.71$0.09
2017Detailed filing. Detailed filing data is available for this year.$15.7$14.3$1.36$0.76$0.65$0.11
2016Detailed filing. Detailed filing data is available for this year.$14.8$13.5$1.26$0.66$0.65$0.01
2015Detailed filing. Detailed filing data is available for this year.$14.0$12.7$1.25$0.68$0.72$0.04
2014Detailed filing. Detailed filing data is available for this year.$14.1$12.8$1.29$0.67$0.85$0.18
2013Detailed filing. Detailed filing data is available for this year.$13.5$12.0$1.47$0.75$0.62$0.13
2012Summary only. Only limited summary data is available for this year.$13.3$12.0$1.34$0.69$0.58$0.12
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.9$10.8$1.15$0.55
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.9$10.9$1.00$0.79
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2023 to Dec 31, 2023
Signed
Nov 15, 2024
Return Version
2023v5.1
Gross Receipts
$1,268,075
Mission and Program Overview

Mission

Credit union / financial services - where people and service matter

Balance Sheet Detail
LineBeginningEndChange
Assets
Other Notes and Loans Receivable, Net$15,977,509$18,903,614▲ $2,926,105
Savings and Temporary Cash Investments$3,021,586$3,694,911▲ $673,325
Rtn Earn Endowment Incm Other Fnds$1,449,479$2,148,207▲ $698,728
Receivables From Officers Etc$158,044$131,604▼ $26,440
Cash and Non-Interest-Bearing Accounts$37,441$75,246▲ $37,805
Prepaid Expenses and Deferred Charges$5,855$37,724▲ $31,869
Land, Buildings, and Equipment, Net$52,834$36,006▼ $16,828
Accounts Receivable-$0-
Pledges and Grants Receivable-$0-
Receivable From Disqualified Prsn-$0-
Investments Other Securities-$0-
Investments Program Related-$0-
Investments in Publicly Traded Securities-$0-
Intangible Assets-$0-
Inventories for Sale or Use-$0-
Total Assets$19,521,627$23,212,757▲ $3,691,130
Other Assets Total$268,358$333,652▲ $65,294
Liabilities
Other Liabilities$17,738,673$20,818,106▲ $3,079,433
Accounts Payable and Accrued Expenses$333,475$246,444▼ $87,031
Total Liabilities$18,072,148$21,064,550▲ $2,992,402
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,449,479$2,148,207▲ $698,728
Total Liabilities and Net Assets / Fund Balance$19,521,627$23,212,757▲ $3,691,130

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$36,006$92,246$128,252
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseTotal
Tammy MorganPresident & CEOFT$99,138$99,138

Board Members and Trustees

NameTitle
Allen RobinsChairman
Jeremy HaslamVice Chairman
Audrey HortinBoard Member
Jason JacobsonBoard Member
Kelly BakerBoard Member
Rick BuchananBoard Member
Laura ThackeraySecretary
Connie NielsenSupervisory COM
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,089,202
Investment Income
$178,873
Other Revenue
$0
Change in Net Assets
$315,803
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$421,023
Salaries, Compensation, and Employee Benefits$356,953
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$206,385--$206,385
Office Expenses$199,242--$199,242
Benefits to Members$174,296--$174,296
Current Officers, Directors, Trustees, and Key Employees$99,138--$99,138
Information Technology$91,514--$91,514
Occupancy$33,749--$33,749
Other Employee Benefits$27,011--$27,011
Payroll Taxes$24,419--$24,419
Insurance$19,020--$19,020
Depreciation Depletion$17,818--$17,818
Fees for Services Other$7,850--$7,850
Travel$5,661--$5,661
Advertising$5,192--$5,192
Other Expenses$944--$944
Total Functional Expenses$952,272$0$0$952,272
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$158,044$131,604▼ $26,440
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Certificates$20,818,106
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“The credit union has members, all of whom have equal voting rights.”

Form 990, Part VI, Section A, Line 7A

“The credit union members elect the board of directors”

Form 990, Part VI, Section A, Line 7B

“The credit union governing body's policy decison are subject to the approval of its members.”

Form 990, Part VI, Section B, Line 11B

“The form 990 is reviewed by the directors and the president of the company.”

Form 990, Part VI, Section C, Line 19

“The credit union makes its governing documents, conflicts of interest policy and financial statements available to the public upon written request for reveiw at its offices.”

Filing and Contact Details

Filer

Filer Name
P&s Credit Union
EIN
87-0239728
Phone
8019730575
Address
2250 S REDWOOD ROAD STE 6, SALT LAKE CITY, UT 84119

Signing Officer

Name
Tammy Morgan
Title
President & CEO
Signed
2024-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Tammy Morgan
Formed
1956
Legal Domicile
Ut
Voting Board Members
7
Independent Board Members
7
Employees
9
Volunteers
7

Preparer

Firm
Smith Powell & Company LLC
Address
9980 S 300 W STE 200, SANDY, UT 84070
Preparer
Brandon R Zrno
Phone
8012857412
Supplemental Narrative

Additional Explanations

Form 990, Part XI, Line 9

“CECL ADJUSTMENT = $47837”

Form 990, Part XI, Line 9

“Equity acquired upecu #94110 = $62016”

Form 990, Part XI, Line 9

“Ncua refund upecu = $8162”

Form 990, Part XI, Line 9

“Upecu reg reserves #93100 = $264910”

Raw XML AppendixShowing 400 of 416 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/MissionDesc0CREDIT UNION / FINANCIAL SERVICES - WHERE PEOPLE AND SERVICE MATTER
IRS990/MoreThan5000KToIndividualsInd0false
IRS990/MoreThan5000KToOrgInd0false
IRS990/NetAssetsOrFundBalancesBOYAmt01449479
IRS990/NetAssetsOrFundBalancesEOYAmt02148207
IRS990/NetGainOrLossInvestmentsGrp/TotalRevenueColumnAmt00
IRS990/NetIncmFromFundraisingEvtGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeFromGamingGrp/TotalRevenueColumnAmt00
IRS990/NetIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NetRentalIncomeOrLossGrp/TotalRevenueColumnAmt00
IRS990/NondeductibleContributionsInd0false
IRS990/OccupancyGrp/ProgramServicesAmt033749
IRS990/OccupancyGrp/TotalAmt033749
IRS990/OfficeExpensesGrp/ProgramServicesAmt0199242
IRS990/OfficeExpensesGrp/TotalAmt0199242
IRS990/OfficerMailingAddressInd0false
IRS990/OperateHospitalInd0false
IRS990/Organization501cInd0X
IRS990/OrgDoesNotFollowFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0268358
IRS990/OtherAssetsTotalGrp/EOYAmt0333652
IRS990/OtherChangesInNetAssetsAmt0382925
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt027011
IRS990/OtherEmployeeBenefitsGrp/TotalAmt027011
IRS990/OtherExpensesGrp/Desc0LOAN SERVICING
IRS990/OtherExpensesGrp/Desc1SHARED BRANCH EXP
IRS990/OtherExpensesGrp/Desc2ONLINE BANKING/BILLPAY
IRS990/OtherExpensesGrp/Desc3CONTINUING EDUCATION
IRS990/OtherExpensesGrp/ProgramServicesAmt016348
IRS990/OtherExpensesGrp/ProgramServicesAmt115122
IRS990/OtherExpensesGrp/ProgramServicesAmt28563
IRS990/OtherExpensesGrp/ProgramServicesAmt3944
IRS990/OtherExpensesGrp/TotalAmt016348
IRS990/OtherExpensesGrp/TotalAmt115122
IRS990/OtherExpensesGrp/TotalAmt28563
IRS990/OtherExpensesGrp/TotalAmt3944
IRS990/OtherLiabilitiesGrp/BOYAmt017738673
IRS990/OtherLiabilitiesGrp/EOYAmt020818106
IRS990/OtherRevenueTotalAmt00
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0206385
IRS990/OtherSalariesAndWagesGrp/TotalAmt0206385
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt015977509
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt018903614
IRS990/PartialLiquidationInd0false
IRS990/PaymentsToAffiliatesGrp/TotalAmt00
IRS990/PayrollTaxesGrp/ProgramServicesAmt024419
IRS990/PayrollTaxesGrp/TotalAmt024419
IRS990/PensionPlanContributionsGrp/TotalAmt00
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt00
IRS990/PoliticalCampaignActyInd0false
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt05855
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt037724
IRS990/PrincipalOfficerNm0TAMMY MORGAN
IRS990/ProfessionalFundraisingInd0false
IRS990/ProgramServiceRevenueGrp/BusinessCd0522100
IRS990/ProgramServiceRevenueGrp/BusinessCd1522291
IRS990/ProgramServiceRevenueGrp/BusinessCd2522100
IRS990/ProgramServiceRevenueGrp/BusinessCd3522100
IRS990/ProgramServiceRevenueGrp/Desc0FEES AND CHARGES
IRS990/ProgramServiceRevenueGrp/Desc1INTEREST ON LOANS
IRS990/ProgramServiceRevenueGrp/Desc2MORTGAGE PROCESSING INCOM
IRS990/ProgramServiceRevenueGrp/Desc3OTHER INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt057291
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1921863
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt24474
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt3105574
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt057291
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1921863
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt24474
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt3105574
IRS990/ProhibitedTaxShelterTransInd0false
IRS990/PYBenefitsPaidToMembersAmt022990
IRS990/PYInvestmentIncomeAmt058144
IRS990/PymtTravelEntrtnmntPubOfclGrp/TotalAmt00
IRS990/PYOtherExpensesAmt0386775
IRS990/PYProgramServiceRevenueAmt0760296
IRS990/PYRevenuesLessExpensesAmt0112296
IRS990/PYSalariesCompEmpBnftPaidAmt0296379
IRS990/PYTotalExpensesAmt0706144
IRS990/PYTotalRevenueAmt0818440
IRS990/RcvblFromDisqualifiedPrsnGrp/EOYAmt00
IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0158044
IRS990/ReceivablesFromOfficersEtcGrp/EOYAmt0131604
IRS990/ReconcilationRevenueExpnssAmt0315803
IRS990/RegularMonitoringEnfrcInd0false
IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0true
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt01268075
IRS990/RoyaltiesGrp/TotalAmt00
IRS990/RoyaltiesRevenueGrp/TotalRevenueColumnAmt00
IRS990/RtnEarnEndowmentIncmOthFndsGrp/BOYAmt01449479
IRS990/RtnEarnEndowmentIncmOthFndsGrp/EOYAmt02148207
IRS990/SavingsAndTempCashInvstGrp/BOYAmt03021586
IRS990/SavingsAndTempCashInvstGrp/EOYAmt03694911
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt036006
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt092246
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0128252
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt020818106
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0MEMBER SHARES & CERTIFICATES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt036006
IRS990ScheduleD/TotalLiabilityAmt020818106
IRS990/ScheduleJRequiredInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BalanceDueAmt0131604
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/BoardOrCommitteeApprovalInd0true
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/DefaultInd0false
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0VISA & CAR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0284538
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0AS GROUP BOARD CEO ETC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0AS GROUP
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/TotalBalanceDueAmt0131604
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CREDIT UNION HAS MEMBERS, ALL OF WHOM HAVE EQUAL VOTING RIGHTS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE CREDIT UNION MEMBERS ELECT THE BOARD OF DIRECTORS
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE CREDIT UNION GOVERNING BODY'S POLICY DECISON ARE SUBJECT TO THE APPROVAL OF ITS MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE FORM 990 IS REVIEWED BY THE DIRECTORS AND THE PRESIDENT OF THE COMPANY.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE CREDIT UNION MAKES ITS GOVERNING DOCUMENTS, CONFLICTS OF INTEREST POLICY AND FINANCIAL STATEMENTS AVAILABLE TO THE PUBLIC UPON WRITTEN REQUEST FOR REVEIW AT ITS OFFICES.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5CECL ADJUSTMENT = $47837
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6EQUITY ACQUIRED UPECU #94110 = $62016
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7NCUA REFUND UPECU = $8162
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8UPECU REG RESERVES #93100 = $264910
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990, Part VI, Section A, Line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Section A, Line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Section A, Line 7b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Section B, Line 11b
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Section C, Line 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990, Part XI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990, Part XI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990, Part XI, Line 9
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990, Part XI, Line 9
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt019521627
IRS990/TotalAssetsEOYAmt023212757
IRS990/TotalAssetsGrp/BOYAmt019521627
IRS990/TotalAssetsGrp/EOYAmt023212757
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt00
IRS990/TotalEmployeeCnt09
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0952272
IRS990/TotalFunctionalExpensesGrp/TotalAmt0952272
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt018072148
IRS990/TotalLiabilitiesEOYAmt021064550
IRS990/TotalLiabilitiesGrp/BOYAmt018072148
IRS990/TotalLiabilitiesGrp/EOYAmt021064550
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt01449479
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt02148207
IRS990/TotalProgramServiceExpensesAmt0952272
IRS990/TotalProgramServiceRevenueAmt01089202
IRS990/TotalReportableCompFromOrgAmt099138
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt01268075
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt01268075
IRS990/TotalVolunteersCnt07
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt019521627
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt023212757
IRS990/TravelGrp/ProgramServicesAmt05661
IRS990/TravelGrp/TotalAmt05661
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02250 S REDWOOD ROAD STE 6
IRS990/USAddress/CityNm0SALT LAKE CITY
IRS990/USAddress/StateAbbreviationCd0UT
IRS990/USAddress/ZIPCd084119
IRS990/VotingMembersGoverningBodyCnt07
IRS990/VotingMembersIndependentCnt07
IRS990/WebsiteAddressTxt0WWW.PANDSCU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02024-10-15 13:58:12Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0TAMMY MORGAN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President & CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02024-11-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0P&S CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0P&SC
ReturnHeader/Filer/EIN0870239728
ReturnHeader/Filer/PhoneNum08019730575
ReturnHeader/Filer/USAddress/AddressLine1Txt02250 S REDWOOD ROAD STE 6
ReturnHeader/Filer/USAddress/CityNm0SALT LAKE CITY

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