BlastPoint's Credit Union Scorecard

PACIFIC HORIZON

Charter #67147 · UT

1077 CUs in 100M-500M nationally 13 in UT

PACIFIC HORIZON has 4 strengths but faces 6 concerns

National Analysis

How does the industry compare?

UT Analysis

How does UT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ 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	21%
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	24%
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	38%
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	28%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	69%
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	18%
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	75%
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	71%
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	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	7.4% -10.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Stagnation Risk

risk

#129 of 550 • Bottom 7.8% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.73%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -0.87%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 3.18%

(Tier: 0.85%, National: 1.23%)

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: $331.87M, 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: 3.65%, 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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Efficiency Ratio

profitability

Value: 49.44%

Peer Avg: -

#22 of 1077 Top 1.9% in 100M-500M tier

Fee Income Per Member

profitability

Value: $346.41

Peer Avg: -

#30 of 1077 Top 2.7% in 100M-500M tier

245

Loan-to-Member Ratio (LMR)

engagement

Value: $12,155

Peer Avg: -

#245 of 1077 Top 22.7% in 100M-500M tier

270

Loan-to-Share Ratio

balance_sheet

Value: 85.03%

Peer Avg: -

#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: -

#1056 of 1077 Bottom 2.0% in 100M-500M tier

989

Share Certificate Concentration (%)

balance_sheet

Value: 39.62%

Peer Avg: -

#989 of 1077 Bottom 8.3% in 100M-500M tier

933

Net Worth Ratio

risk

Value: 9.05%

Peer Avg: -

#933 of 1077 Bottom 13.5% in 100M-500M tier

878

Net Interest Margin (NIM)

profitability

Value: 2.96%

Peer Avg: -

#878 of 1077 Bottom 18.6% in 100M-500M tier

854

Total Members

engagement

Value: 8,706

Peer Avg: -

#854 of 1077 Bottom 20.8% in 100M-500M tier

814

Total Assets

balance_sheet

Value: $137.31M

Peer Avg: -

#814 of 1077 Bottom 24.5% in 100M-500M tier