Pacific Horizon

Springville, UT · 2 · Charter #67147 · www.pacifichorizoncu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$138.2M
67th percentile
Members
8,687
59th percentile
Total loans
$106.1M
79th percentile
Total shares
$125.3M
71th percentile

Profitability

Return on assets
2.44%
97th percentile
Net interest margin
2.97%
16th percentile
Efficiency ratio
32.82%
98th percentile
Non-interest income ratio
25.51%
85th percentile

Capital & Risk

Net worth ratio
9.04%
11th percentile
Delinquency rate
2.64%
5th percentile
Net charge-off rate
0.57%
26th percentile
Loan-to-share
84.72%
79th percentile

Growth

Member growth YoY
-1.08%
44th percentile
Asset growth YoY
4.07%
51th percentile
Loan growth YoY
-0.42%
39th percentile
Share growth YoY
7.74%
80th percentile

Operations

Members / branch
2,896
45th percentile
Assets / member
$15,911
62th percentile
Field of membership penetration
8.69%
56th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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