BlastPoint's Credit Union Scorecard
PACIFIC HORIZON
Charter #67147 · UT
PACIFIC HORIZON has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.07% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 1.5% in tier
- + Fee Income Per Member: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 49.2% in tier
- - Membership Headwinds: Bottom 84.6% in tier
- - Delinquency rate 1.75% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.7% in tier
- - Share Certificate Concentration (%): Bottom 7.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,687
-1.1% YoY-0.2% QoQ
|
-6.8K |
15,437
-2.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
21% |
| Assets |
$138.2M
+4.1% YoY+0.7% QoQ
|
$-93.6M |
$231.9M
+1.3% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
25% |
| Loans |
$106.1M
-0.4% YoY+0.3% QoQ
|
$-41.2M |
$147.3M
-0.1% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$125.3M
+3.4% YoY+0.6% QoQ
|
$-75.6M |
$200.8M
+0.8% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
28% |
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| ROA |
0.8%
-245.3% YoY-20.9% QoQ
|
+0.1% |
0.8%
+18.2% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
57% |
| NIM |
3.0%
+2.5% YoY+0.7% QoQ
|
-0.6% |
3.6%
+6.7% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
49.4%
-35.5% YoY-0.2% QoQ
|
-27.7% |
77.0%
-3.1% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
Bottom 1.5% in tier |
| Delinquency Rate |
2.6%
-11.7% YoY-16.9% QoQ
|
+1.7 |
0.9%
+4.2% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
Top 3.7% in tier |
| Loan To Share |
84.7%
-3.7% YoY-0.4% QoQ
|
+12.5% |
72.2%
-1.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$26,634
+2.7% YoY+0.7% QoQ
|
+$2K |
$24,676
+3.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
70% |
| CD Concentration |
40.7%
+2.1% YoY+2.8% QoQ
|
+16.3% | 24.4% | 28.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.4% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)