BlastPoint's Credit Union Scorecard

PACIFIC HORIZON

Charter #67147 · UT

100M-500M

1070 CUs in 100M-500M nationally 12 in UT

PACIFIC HORIZON has 1 strength 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 0.34% above tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Delinquency rate 1.15% above tier average
- Share Certificate Concentration (%): Bottom 5.0% in tier
- Total Delinquency Rate (60+ days): Bottom 5.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	8,664 -1.0% YoY-0.3% QoQ	-6.5K	15,145 -2.5% YoY	80,723 +8.1% YoY	33,913 +5.7% YoY	22%
Assets	$141.6M +3.9% YoY+2.4% QoQ	$-90.1M	$231.7M +0.8% YoY	$1.3B +11.9% YoY	$578.3M +9.0% YoY	26%
Loans	$108.8M +4.2% YoY+2.6% QoQ	$-35.3M	$144.1M +0.2% YoY	$985.7M +12.1% YoY	$402.4M +8.7% YoY	42%
Deposits	$128.2M +3.3% YoY+2.3% QoQ	$-72.9M	$201.1M +0.4% YoY	$1.1B +11.5% YoY	$494.3M +9.1% YoY	30%

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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% -23.0% YoY+28.9% QoQ	+0.3%	0.7% +5.1% YoY	0.4% -49.8% YoY	0.4% -39.2% YoY	74%
NIM	3.1% +3.9% YoY+3.1% QoQ	-0.6%	3.6% +4.6% YoY	3.4% +1.0% YoY	3.8% +4.1% YoY	18%
Efficiency Ratio	66.8% +4.8% YoY+35.4% QoQ	-11.2%	78.0% -1.7% YoY	74.1% +0.8% YoY	84.6% +2.8% YoY	19%
Delinquency Rate	1.9% -23.2% YoY-27.2% QoQ	+1.1	0.8% +7.1% YoY	0.7% +20.4% YoY	1.2% +3.4% YoY	Bottom 5.9% in tier
Loan To Share	84.9% +0.8% YoY+0.2% QoQ	+14.5%	70.4% -0.4% YoY	75.0% -3.9% YoY	65.6% -1.4% YoY	79%
AMR	$27,357 +4.7% YoY+2.7% QoQ	+$2K	$24,918 +2.7% YoY	$21,837 +4.8% YoY	$19,920 +1.6% YoY	72%
CD Concentration	42.4% +7.3% YoY+4.0% QoQ	+18.1%	24.3%	28.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	7.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Margin Compression

decline

#65 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.07%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.39%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.32% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Stagnation Risk

risk

#428 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -0.96%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 4.16%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 1.92%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#508 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -0.96%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | 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 1070 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

203

Efficiency Ratio

profitability

Value: 66.81%

Peer Median: 78.68%

#203 of 1070 Top 18.9% in 100M-500M tier

216

Loan-to-Member Ratio (LMR)

engagement

Value: $12,561

Peer Median: $9,356

#216 of 1070 Top 20.1% in 100M-500M tier

229

Loan-to-Share Ratio

balance_sheet

Value: 84.90%

Peer Median: 71.88%

#229 of 1070 Top 21.3% in 100M-500M tier

Top Weaknesses (5 metrics)

1018

Share Certificate Concentration (%)

balance_sheet

Value: 42.35%

Peer Median: 23.10%

#1018 of 1070 Bottom 5.0% in 100M-500M tier

1008

Total Delinquency Rate (60+ days)

risk

Value: 1.92%

Peer Median: 0.61%

#1008 of 1070 Bottom 5.9% in 100M-500M tier

909

Net Worth Ratio

risk

Value: 9.09%

Peer Median: 11.45%

#909 of 1070 Bottom 15.1% in 100M-500M tier

874

Net Interest Margin (NIM)

profitability

Value: 3.07%

Peer Median: 3.62%

#874 of 1070 Bottom 18.4% in 100M-500M tier

833

Total Members

engagement

Value: 8,664

Peer Median: 13,200

#833 of 1070 Bottom 22.2% in 100M-500M tier