Pacific Horizon
Springville, UT · Charter 67147 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$141.4MAssets
$109.2MLoans
$127.7MShares
$13.2MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 84% of credit unions under $1B in assets (rank 270 of 1681).
- Widest gap: equity / assets trails 87% of credit unions under $1B in assets (rank 1467 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.95%
Rank 635 of 1,683
Net Interest Margin
3.12%
Rank 1,378 of 1,683
Efficiency Ratio
67.17%
Rank 368 of 1,682
Equity / Assets
9.30%
Rank 1,467 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.35% | 0.74% | 1.18% | Beats 62% | 635 / 1,683 | |
| Return on Equity | 10.18% | 2.67% | 5.89% | 8.74% | Beats 84% | 270 / 1,681 | |
| Net Interest Margin | 3.12% | 3.31% | 3.82% | 4.32% | Beats 18% | 1,378 / 1,683 | |
| Efficiency Ratio | 67.17% | 68.91% | 78.20% | 86.93% | Beats 78% | 368 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.81% | 0.26% | 0.65% | 1.29% | Beats 16% | 1,411 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.30% | 10.44% | 12.89% | 16.53% | Beats 13% | 1,467 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.30% | 10.44% | 12.89% | 16.53% | Beats 13% | 1,467 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 85.47% | 52.61% | 69.38% | 83.50% | 78th pctl | 364 / 1,683 | |
| Loans / Assets | 77.20% | 44.71% | 59.18% | 70.72% | 87th pctl | 215 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |