Civic Intelligence

P&S Credit Union

990 • Fiscal year 2019 • EIN 87-0239728

Jan 01, 2019 to Dec 31, 2019 • Filed on Feb 18, 2020

Organization ProfileWWW.PANDSCU.ORG

View Organization Page

2250 S Redwood RoadSalt Lake City, UT 84119

(801) 973-0575

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

76th percentile

0.90x

Higher debt load relative to assets than 76% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Liabilities / Revenue

40th percentile

15.78x

Higher debt load relative to revenue than 40% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Net Margin

49th percentile

10%

Higher net margin than 49% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Top Officer Pay

64th percentile

$86,861

Higher top officer pay than 64% of similar nonprofits.

Top officer pay equals 10.4% of source-year revenue.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Source year 2019

Asset Growth

1st percentile

-13%

Faster asset growth than 1% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Revenue Growth

39th percentile

4.2%

Faster revenue growth than 39% of similar nonprofits.

2019 filings • 501(c)14 • $10M-$25M nonprofits • Annualized from 2018 to 2019

Balance Sheet
Liabilities / Assets76th percentile

Assets

Down

$14,750,940

Down $2,239,859 (-13%) from 2018

Net Assets

Up

$1,543,375

Up $99,967 (+6.9%) from 2018

Liabilities

Down

$13,207,565

Down $2,339,826 (-15%) from 2018

Revenue And Expenses
Liabilities / Revenue40th percentileNet Margin49th percentile

Revenue

Up

$837,163

Up $34,001 (+4.2%) from 2018

Expenses

Up

$749,278

Up $36,804 (+5.2%) from 2018

Net Income

Down

$87,885

Down $2,803 (-3.1%) from 2018

Historical Trend

Balance Sheet Trend

Asset Growth1st percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$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

2019

Assets$14,750,940
Liabilities$13,207,565
Net Assets$1,543,375
Open 2019 Filing

Operations Trend

Revenue Growth39th percentile

Revenue, expenses, and net income across loaded years, with this 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

2019

Revenue$837,163
Expenses$749,278
Net Income$87,885
Open 2019 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2019 to Dec 31, 2019
Signed
Feb 18, 2020
Return Version
2019v5.0
Gross Receipts
$837,163
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$12,348,371$13,338,409▲ $990,038
Rtn Earn Endowment Incm Other Fnds$1,443,408$1,543,375▲ $99,967
Savings and Temporary Cash Investments$4,118,105$868,122▼ $3,249,983
Receivables From Officers Etc$122,977$132,734▲ $9,757
Prepaid Expenses and Deferred Charges$61,466$75,094▲ $13,628
Cash and Non-Interest-Bearing Accounts$56,031$74,138▲ $18,107
Land, Buildings, and Equipment, Net$13,879$10,463▼ $3,416
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$16,990,799$14,750,940▼ $2,239,859
Other Assets Total$269,970$251,980▼ $17,990
Liabilities
Other Liabilities$15,493,527$13,139,819▼ $2,353,708
Accounts Payable and Accrued Expenses$53,864$67,746▲ $13,882
Total Liabilities$15,547,391$13,207,565▼ $2,339,826
Net Assets / Fund Balance
Total Net Assets Fund Balance$1,443,408$1,543,375▲ $99,967
Total Liabilities and Net Assets / Fund Balance$16,990,799$14,750,940▼ $2,239,859

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$10,463$150,106$160,569
Compensation and Service Providers
Top Officer Pay64th percentile

Employees

NameTitleFull / Part TimeBaseTotal
S Stewart MouritsenPresident & CEOFT$86,861$86,861

Board Members and Trustees

NameTitle
Rick BuchananChairman
Kelly BakerVice Chairman
Allen RobinsBoard Member
Craig StollBoard Member
Jeremy HaslamBoard Member
Silvan WarnickBoard Member
Laura ThackeraySecretary
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$766,485
Investment Income
$70,678
Other Revenue
$0
Change in Net Assets
$87,885

Audited Revenue Reconciliation

Revenue per Audited Statements
$837,163
Total Revenue per Audited Statements
$837,163
Total Revenue per Form 990
$837,163
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$409,385
Salaries, Compensation, and Employee Benefits$323,365
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$152,641--$152,641
Office Expenses$151,885--$151,885
Current Officers, Directors, Trustees, and Key Employees$86,861--$86,861
Information Technology$75,063--$75,063
Other Employee Benefits$53,660--$53,660
Occupancy$28,443--$28,443
Payroll Taxes$21,278--$21,278
Insurance$19,188--$19,188
Benefits to Members$16,528--$16,528
Fees for Services Legal$15,054--$15,054
Other Expenses$11,386--$11,386
Pension Plan Contributions$8,925--$8,925
Travel$8,903--$8,903
Advertising$8,734--$8,734
Depreciation Depletion$8,134--$8,134
Fees for Services Management$7,265--$7,265
All Other Expenses$6,739--$6,739
Fees for Services Other$6,608--$6,608
Total Functional Expenses$749,278$0$0$749,278

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$749,278
Total Expenses per Audited Statements$749,278
Total Expenses per Form 990$749,278
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$122,977$132,734▲ $9,757
Receivables from Disqualified Persons-$0-
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Member Shares & Certificates$13,139,817
Rounding$2
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, Line 6: Explanation of Classes of Members or Shareholder

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

Form 990, Part VI, Line 7A: How Members or Shareholders Elect Governing Body

“The credit union members elect the board of directors”

Form 990, Part VI, Line 7B: Describe Decisions of Governing Body Approval by Members or Shareholders

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

Form 990, Part VI, Line 11B: Form 990 Review Process

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

Form 990, Part VI, Line 19: Other Organization Documents Publicly Available

“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, SALT LAKE CITY, UT 84119

Signing Officer

Name
Stewart Mouritsen
Title
President & CEO
Signed
2020-02-18
Discuss with paid preparer
Yes

Organization Details

Formed
1956
Legal Domicile
Ut
Voting Board Members
7
Independent Board Members
7
Employees
8
Volunteers
8

Preparer

Firm
Smith Powell & Company LLC Cpas
Address
68 SO MAIN 3RD FLOOR, SALT LAKE CITY, UT 84101
Preparer
Brandon R Zrno
Phone
8013592056
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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/PYProgramServiceRevenueAmt0717264
IRS990/PYRevenuesLessExpensesAmt090688
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IRS990/PYTotalExpensesAmt0712474
IRS990/PYTotalRevenueAmt0803162
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IRS990/ReceivablesFromOfficersEtcGrp/BOYAmt0122977
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IRS990/ReconcilationRevenueExpnssAmt087885
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IRS990/ReportLandBuildingEquipmentInd0true
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IRS990/ReportOtherLiabilitiesInd0true
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IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0150106
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0160569
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt12
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IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanFromOrganizationInd0X
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/LoanPurposeTxt0VISA CAR
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/OriginalPrincipalAmt0200149
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/PersonNm0AS GROUP BOARD CEO ETC
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/RelationshipWithOrgTxt0AS GROUP
IRS990ScheduleL/LoansBtwnOrgInterestedPrsnGrp/WrittenAgreementInd0true
IRS990ScheduleL/TotalBalanceDueAmt0132734
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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/FormAndLineReferenceDesc0Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990, Part VI, Line 7a: How Members or Shareholders Elect Governing Body
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990, Part VI, Line 7b: Describe Decisions of Governing Body Approval by Members or Shareholders
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990, Part VI, Line 11b: Form 990 Review Process
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990, Part VI, Line 19: Other Organization Documents Publicly Available
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IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
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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
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IRS990/WebsiteAddressTxt0WWW.PANDSCU.ORG
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02020-11-19 02:30:22Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0STEWART MOURITSEN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President & CEO
ReturnHeader/BusinessOfficerGrp/SignatureDt02020-02-18
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0P&S CREDIT UNION
ReturnHeader/Filer/BusinessNameControlTxt0P&SC
ReturnHeader/Filer/EIN0870239728
ReturnHeader/Filer/PhoneNum08019730575
ReturnHeader/Filer/USAddress/AddressLine1Txt02250 S REDWOOD ROAD
ReturnHeader/Filer/USAddress/CityNm0SALT LAKE CITY
ReturnHeader/Filer/USAddress/StateAbbreviationCd0UT
ReturnHeader/Filer/USAddress/ZIPCd084119
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0841411876
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0SMITH POWELL & COMPANY LLC CPAS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt068 SO MAIN 3RD FLOOR
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0SALT LAKE CITY

Document Assets

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Filings

Displayed year

2019 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$14,750,940
Liabilities
$13,207,565
Net assets
$1,543,375
Revenue
$837,163
Expenses
$749,278
Net income
$87,885
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