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800-437-7328
2015 S Pontiac Way
Denver, CO 80224

Public Service Employees Credit Union is headquartered in Denver and is the 4th largest credit union in the state of Colorado. It is also the 141st largest credit union in the nation. It was established in 1938 and as of March of 2014, it had grown to 337 employees and 151,911 members. Public Service Employees Credit Union has a A+ health rating.

Field of Membership Restrictions

To be eligible for membership, you need to meet just one of the following requirements: * You are related to a current PSCU member; * You are employed by, or affiliated with, a PSCU Partner Company or Select Employee Group; or * You live, work or worship in a qualifying area. - See Details

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Health

Data for Q1 2014

Institution Health

A+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Public Service Employees Credit Union had $8.17 million in non-current loans and owned real-estate with $148.21 million in equity and loan loss allowances on hand to cover it. This gives Public Service Employees Credit Union a Texas Ratio of 5.51% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for Public Service Employees Credit Union decreased slightly from 7.31% as of March 31, 2013 to 5.51% as of March 31, 2014, resulting in a positive change of 24.62%.This indicates that the balance sheet and financial strength for Public Service Employees Credit Union has improved slightly in recent periods.

Deposit Growth

GRADE:
A+

In the past year, Public Service Employees Credit Union has increased its total deposits by $72.48 million, resulting in 6.33% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Public Service Employees Credit Union has shown is excellent.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Public Service Employees Credit Union has $1.37 billion in assets with $148.21 million in equity, resulting in a capitalization level of 10.81%, which is above average.

Institution Statistics

Overall
NCUA #64778
Year Chartered1938
Employees337
Primary Regulator
Assets and Liabilities
Assets$1.37 billion
Loans$765.67 million
Deposits$1.22 billion
Equity Capital$136.89 million
Loan Loss Allowance$11.32 million
Unbacked Noncurrent Loans$4.54 million
Real Estate Owned$3.63 million
Historic Data - March 2013
Assets$1.29 billion
Equity Capital$131.05 million
Loan Loss Allowance$12.24 million
Unbacked Noncurrent Loans$4.54 million
Real Estate Owned$3.58 million
Profit Margin - Quarterly
Net Interest Margin1.29%
Return on Assets0.81%
Return on Equity8.13%
Interest Income$11.26 million
Rates

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Public Service Employees Credit Union Savings Account Rates

DetailsAPYMINMAXPRODUCT
0.50%$100k-Health Savings Account
0.15%$2,500-Quarterly IRA
0.15%$2,500-Quarterly Roth IRA
0.15%$2,500-Quarterly CESA
0.05%--Savings Account
0.05%--Holiday Account
0.05%--Personalized Share Account
0.05%--Business Share

Public Service Employees Credit Union Money Market Rates

DetailsAPYMINMAXPRODUCT
0.40%$100k-Money Market Plus
0.40%$100k-Business Money Market
0.10%$1k-Money Market

Public Service Employees Credit Union Checking Account Rates

DetailsAPYMINMAXPRODUCT
0.15%$25k-Interest Checking
0.05%$3k-Premier Business Checking

Public Service Employees Credit Union CD Rates

DetailsAPYMINMAXPRODUCT
1.50%$1k-60 Month CD
1.25%$1k-48 Month CD
0.95%$1k-36 Month CD
0.70%$1k-24 Month CD
0.55%$1k-18 Month CD
0.50%$1k-12 Month CD
0.50%$1k-24 Month Risk Free CD
0.50%--Classic (Secured) Credit Card CD
0.35%$1k-12 Month Risk Free CD
0.20%$1k-6 Month CD

Public Service Employees Credit Union IRA Rates

DetailsAPYMINMAXPRODUCT
1.50%$2,500-60 Month IRA
0.95%$2,500-36 Month IRA
0.80%$2,500-30 Month IRA
0.70%$2,500-24 Month IRA
0.55%$2,500-18 Month IRA
0.50%$2,500-12 Month IRA
Locations

Public Service Employees Credit Union has 29 locations. Click to view all Public Service Employees Credit Union locations.