Public Service Employees Credit Union

Public Service Employees Credit Union Locations

7055 E Evans Ave
Denver, CO 80224
(800) 437-7328
www.pscu.org

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Public Service Employees Credit Union is headquartered in DENVER and is the 5^th largest credit union in the state of Colorado. It is also the 162^nd largest credit union in the nation. It was established in 1938 and as of December of 2011, it had grown to 328 employees and 130,765 members. Public Service Employees Credit Union has a 4-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Public Service Employees Credit Union Checking Account Rates

Apy	Min	Max	Product
0.15%	$25k	-	Interest Checking
0.05%	$3k	-	Premier Business Checking

Public Service Employees Credit Union Savings Account Rates

Apy	Min	Max	Product
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

Apy	Min	Max	Product
0.40%	$100k	-	Money Market Plus
0.40%	$100k	-	Business Money Market
0.10%	$1k	-	Money Market

Public Service Employees Credit Union CD Rates

Apy	Min	Max	Product
1.55%	$1k	-	60 Month CD
1.25%	$1k	-	48 Month CD
0.95%	$1k	-	36 Month CD
0.70%	$1k	-	24 Month CD
0.65%	$1k	-	18 Month CD
0.50%	$1k	-	12 Month CD
0.50%	-	-	Classic (Secured) Credit Card CD
0.40%	$1k	-	24 Month Risk Free CD
0.30%	$1k	-	6 Month CD
0.25%	$1k	-	12 Month Risk Free CD

Public Service Employees Credit Union IRA Rates

Apy	Min	Max	Product
1.55%	$2,500	-	60 Month IRA
1.55%	$2,500	-	60 Month Roth IRA
1.55%	$2,500	-	60 Month CESA
0.95%	$2,500	-	36 Month IRA
0.95%	$2,500	-	36 Month Roth IRA
0.95%	$2,500	-	36 Month CESA
0.80%	$2,500	-	30 Month IRA
0.80%	$2,500	-	30 Month Roth IRA
0.80%	$2,500	-	30 Month CESA
0.70%	$2,500	-	24 Month IRA
0.70%	$2,500	-	24 Month Roth IRA
0.70%	$2,500	-	24 Month CESA
0.65%	$2,500	-	18 Month IRA
0.65%	$2,500	-	18 Month Roth IRA
0.65%	$2,500	-	18 Month CESA
0.50%	$2,500	-	12 Month IRA
0.50%	$2,500	-	12 Month Roth IRA
0.50%	$2,500	-	12 Month CESA

Rates updated: 5/27/2012

Data for Q4 2011

Institution Statistics

PUBLIC SERVICE EMPLOYEES
NCUA #	64778
BankRate Report	View
Year Chartered	1938
Employees	328
Primary Regulator
Assets and Liabilities
Assets	$1.11 billion
Loans	$575.49 million
Deposits	$990.52 million
Equity Capital	$113.26 million
Loan Loss Allowance	$16.31 million
Unbacked Noncurrent Loans	$21.73 million
Real Estate Owned	$552,000
Historic Data - December 2010
Assets	$1.04 billion
Equity Capital	$92.54 million
Loan Loss Allowance	$25.06 million
Unbacked Noncurrent Loans	$13.36 million
Real Estate Owned	$855,000
Profit Margin - Quarterly
Net Interest Margin	7.64%
Return on Assets	1.77%
Return on Equity	17.39%
Interest Income	$46.55 million
Non-Interest Income	$23.67 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Public Service Employees Credit Union had $22.28 million in non-current loans and owned real-estate with $129.56 million in equity and loan loss allowances on hand to cover it. This gives Public Service Employees Credit Union a Texas Ratio of 17.20% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Public Service Employees Credit Union increased slightly from 12.09% as of December 31, 2010 to 17.20% as of December 31, 2011, resulting in a negative change of 42.23%. This indicates that the balance sheet and financial strength for Public Service Employees Credit Union has declined slightly in recent periods.
Deposit Growth
In the past year, Public Service Employees Credit Union has increased its total deposits by $52.73 million, resulting in 5.62% 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
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 $1.11 billion in assets with $129.56 million in equity, resulting in a capitalization level of 11.62%, which is above average.