BlastPoint's Credit Union Scorecard
PACIFIC HORIZON
Charter #67147 · UT
PACIFIC HORIZON has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.08% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Delinquency rate 0.93% above tier average
- - Share Certificate Concentration (%): Bottom 4.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Utah.
- Shares and deposits +3.3% year over year ($128M in shares and deposits).
- Membership: 8,691 members, -0.6% vs a year ago.
- Delinquency rate 1.81%.
- Return on assets 0.95%.
- Efficiency ratio 67.18% vs a 76.73% peer average.
- Loan-to-share ratio 85.47% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,691
-0.6% YoY+0.3% QoQ
|
-6.5K |
15,168
-2.6% YoY
|
84,939
+12.5% YoY
|
34,678
+6.6% YoY
|
23% |
| Assets |
$141.4M
+3.9% YoY-0.1% QoQ
|
$-90.6M |
$232.0M
+0.7% YoY
|
$1.4B
+17.3% YoY
|
$593.1M
+10.2% YoY
|
26% |
| Loans |
$109.2M
+3.8% YoY+0.3% QoQ
|
$-37.1M |
$146.3M
+0.2% YoY
|
$1.1B
+18.0% YoY
|
$418.6M
+10.1% YoY
|
40% |
| Deposits |
$127.7M
+3.3% YoY-0.3% QoQ
|
$-73.0M |
$200.7M
+0.2% YoY
|
$1.2B
+16.7% YoY
|
$504.8M
+10.3% YoY
|
29% |
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| ROA |
0.9%
-14.8% YoY-11.7% QoQ
|
+0.1% |
0.9%
+12.5% YoY
|
1.0%
+17.0% YoY
|
1.2%
+121.4% YoY
|
62% |
| NIM |
3.1%
+7.5% YoY+1.6% QoQ
|
-0.6% |
3.7%
+4.5% YoY
|
3.4%
+1.5% YoY
|
3.8%
+2.3% YoY
|
19% |
| Efficiency Ratio |
67.2%
-2.5% YoY+0.6% QoQ
|
-9.6% |
76.7%
-0.8% YoY
|
73.7%
+1.7% YoY
|
83.0%
-5.3% YoY
|
20% |
| Delinquency Rate |
1.8%
-49.6% YoY-6.1% QoQ
|
+0.9 |
0.9%
+6.6% YoY
|
0.8%
+17.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 9.2% in tier |
| Loan To Share |
85.5%
+0.4% YoY+0.7% QoQ
|
+13.9% |
71.5%
-0.3% YoY
|
75.6%
-3.6% YoY
|
66.4%
-1.4% YoY
|
77% |
| AMR |
$27,263
+4.1% YoY-0.3% QoQ
|
+$2K |
$25,107
+3.2% YoY
|
$21,736
+3.5% YoY
|
$20,028
-0.9% YoY
|
71% |
| CD Concentration |
44.0%
+10.2% YoY+3.9% QoQ
|
+19.4% | 24.6% | 28.5% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)