PACIFIC HORIZON

Charter #67147 | UT

100M-500M (1077 CUs) Micro
13 100M-500M in UT

PACIFIC HORIZON has 7 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 18.7% in tier
  • + Emerging Performer: Top 19.5% in tier
  • + Relationship Depth Leader: Top 27.2% in tier
  • + ROA 0.26% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Efficiency Ratio: Top 1.9% in tier
  • + Fee Income Per Member: Top 2.7% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 7.8% in tier
  • - Membership Headwinds: Bottom 21.6% in tier
  • - Institutional Decline: Bottom 30.9% in tier
  • - Delinquency rate 2.32% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 2.0% in tier
  • - Share Certificate Concentration (%): Bottom 8.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (UT) National Avg Tier Percentile
Members 8,706
-1.7% YoY-0.4% QoQ
 -6.9K 15,628
-3.4% YoY
 76,315
+6.4% YoY
 33,089
+6.1% YoY
 Bottom 20.7% in tier
Assets $137.3M
+6.4% YoY+0.9% QoQ
 $-94.0M $231.3M
-0.0% YoY
 $1.2B
+10.2% YoY
 $547.7M
+7.8% YoY
 Bottom 24.4% in tier
Loans $105.8M
-0.9% YoY+0.6% QoQ
 $-42.0M $147.8M
-1.4% YoY
 $924.9M
+10.2% YoY
 $388.7M
+8.6% YoY
 38th in tier
Deposits $124.5M
+6.3% YoY+0.6% QoQ
 $-75.8M $200.3M
-0.0% YoY
 $1.1B
+10.6% YoY
 $464.6M
+9.3% YoY
 28th in tier
ROA 1.1%
+238.1% YoY-5.4% QoQ
 +0.3% 0.8%
+15.5% YoY
 0.9%
+11.6% YoY
 0.7%
+273.4% YoY
 69th in tier
NIM 3.0%
+2.6% YoY+1.9% QoQ
 -0.6% 3.6%
+6.9% YoY
 3.4%
+7.0% YoY
 3.7%
+5.0% YoY
 Bottom 18.5% in tier
Efficiency Ratio 49.4%
-35.6% YoY-28.3% QoQ
 -27.8% 77.3%
-3.0% YoY
 71.6%
-3.7% YoY
 79.1%
-3.3% YoY
 Bottom 1.9% in tier
Delinquency Rate 3.2%
-7.9% YoY-11.4% QoQ
 +2.3 0.9%
+7.6% YoY
 0.7%
+11.8% YoY
 1.2%
-0.9% YoY
 Top 2.0% in tier
Loan To Share 85.0%
-6.7% YoY-0.1% QoQ
 +12.3% 72.7%
-1.5% YoY
 78.2%
-2.6% YoY
 68.0%
-1.7% YoY
 75th in tier
AMR $26,451
+4.7% YoY+1.0% QoQ
 +$2K $24,363
+2.9% YoY
 $21,167
+3.5% YoY
 $19,418
+1.3% YoY
 71st in tier
CD Concentration 39.6%
-2.9% YoY-0.8% QoQ
 +15.2% 24.4%
+4.2% YoY
 27.9%
+4.6% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 7.4%
-10.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#517 of 1006 • Top 18.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 4.67%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Emerging Performer

growth
#366 of 627 • Top 19.5% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.05%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -1.73%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Relationship Depth Leader

growth
#750 of 1006 • Top 27.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 4.67%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.0K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (3)

Stagnation Risk

risk
#129 of 550 • Bottom 7.8% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.05%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -1.73%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $26.5K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 39.62%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline
#357 of 550 • Bottom 21.6% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.73%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Institutional Decline

decline
#244 of 256 • Bottom 30.9% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $137.31M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -1.73%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -0.87%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
22
Efficiency Ratio
profitability
Value: 49.44%
Peer Avg: 77.28%
#22 of 1077 Top 1.9% in 100M-500M tier
30
Fee Income Per Member
profitability
Value: $346.41
Peer Avg: $174.31
#30 of 1077 Top 2.7% in 100M-500M tier
245
Loan-to-Member Ratio (LMR)
engagement
Value: $12,155
Peer Avg: $10,245
#245 of 1077 Top 22.7% in 100M-500M tier
270
Loan-to-Share Ratio
balance_sheet
Value: 85.03%
Peer Avg: 72.70%
#270 of 1077 Top 25.0% in 100M-500M tier

Top Weaknesses (6 metrics)

1056
Total Delinquency Rate (60+ days)
risk
Value: 3.18%
Peer Avg: 0.86%
#1056 of 1077 Bottom 2.0% in 100M-500M tier
989
Share Certificate Concentration (%)
balance_sheet
Value: 39.62%
Peer Avg: 23.61%
#989 of 1077 Bottom 8.3% in 100M-500M tier
933
Net Worth Ratio
risk
Value: 9.05%
Peer Avg: 12.15%
#933 of 1077 Bottom 13.5% in 100M-500M tier
878
Net Interest Margin (NIM)
profitability
Value: 2.96%
Peer Avg: 3.58%
#878 of 1077 Bottom 18.6% in 100M-500M tier
854
Total Members
engagement
Value: 8,706
Peer Avg: 15,628
#854 of 1077 Bottom 20.8% in 100M-500M tier
814
Total Assets
balance_sheet
Value: $137.31M
Peer Avg: $231.30M
#814 of 1077 Bottom 24.5% in 100M-500M tier