State credit union · Springville, Utah · NCUA charter #67147
Pacific Horizon
Health score 58/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 58
- Health / 100
- $138.2M
- Total assets
- 8,687
- Members
- 9.1%
- Net-worth ratio
Pacific Horizon scores 58/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $138.2M; members 8,687; net-worth ratio 9.09%; health rank #4,120 of 4,374; healthier than 6th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,120 of 4,374 health · 2025Q4Pacific Horizon · health 58/100 · $138.2M · 2025Q4
- ASSETS 58/100
- MEM 9.1%
- RANK 2.64%
- PHOTO -0.54%
- BOOK $138.2M
- CHARTER 8,687
- NCUSIF #4,120/4,374
- CAMELS Florida West Coast
- HEALTH 67147
Call Report peers
Pacific Horizon in the assets neighbourhood
Pacific Horizon's $138.2M assets sit next to Florida West Coast ($138.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Pacific Horizon vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
58 6th percentile higher than 6% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Pacific Horizon - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #67147. See our deposit-insurance coverage note.
Peer-gap read for Pacific Horizon
- Loan-to-Share Ratio leads the peer set - 84.72% here, 72.20% peer average (+12.52 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.02 pp (9.09% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Pacific Horizon sits in Utah
- In Utah, health place is #52 of 53 on the same NCUA-ratio sort used nationally.
- By total assets, Pacific Horizon is #23 of 53 in Utah.
- Member book place in Utah: #21 of 53.
In-state ordinals use the live credit_unions table for UT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Pacific Horizon Call Report trajectory
Pacific Horizon: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $138.2M (2025Q4) to $141.6M (2026Q1).
- Net-worth ratio shifted +0.05 pp (9.04% → 9.09%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.09% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 58/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 58.
- Net Worth Ratio 27.7 pts
- Delinquency Rate 8.5 pts
- Return on Assets 0.0 pts
- Member Growth 7.1 pts
- Loan-to-Share Ratio 14.7 pts
Pacific Horizon vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.09% | -3.02 pp |
| Delinquency Rate | 2.64% | +1.75 pp |
| Return on Assets | -0.54% | -1.17 pp |
| Member Growth | -1.08% | - |
| Loan-to-Share Ratio | 84.72% | +12.52 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - Pacific Horizon
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $141.6M | - |
| 2025Q4 | $138.2M | 8,687 |
| 2024Q4 | $132.8M | 8,782 |
| 2023Q4 | $127.8M | 8,868 |
Credit Union Details
- Charter Number
- 67147
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Utah
- City
- Springville
- Data Quarter
- 2025Q4
Branch Locations (3)
Pacific Horizon operates 3 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Springville Branch (Main Office) | Springville, UT |
| Payson Branch | Payson, UT |
| Spanish Fork Branch | Spanish Fork, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Utah
More federally-insured credit unions based in Utah, ordered by peer group match and asset size.
Pacific Horizon nationwide neighbourhoods
Two NCUA Call Report peer sets for Pacific Horizon, both outside Utah so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($138.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (58/100 here).
Using this data
- Pacific Horizon ranks #4,120 of 4,374 nationally on financial health and #52 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- NEBO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with NEBO
- Rates and health both vary by institution, not just by state -- see how Utah credit unions compare overall before assuming this one is typical. Utah state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Pacific Horizon financially healthy?
Yes/no aside, the number is 58/100 (Fair) - Pacific Horizon's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,120 of 4,374; by total assets it ranks #1,555 of 4,374 nationally (same basis as /rankings/largest); and #23 of 53 within Utah. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.09% net worth ratio and 2.64% delinquency rate are the key drivers.
How does Pacific Horizon compare to other credit unions?
Five weighted metrics from NCUA filings produce Pacific Horizon's 58/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Pacific Horizon?
Membership eligibility for Pacific Horizon depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Pacific Horizon directly for current membership requirements and application steps.
Is my money safe at Pacific Horizon?
Federal credit unions like Pacific Horizon are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Pacific Horizon's net worth ratio of 9.09% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Pacific Horizon offer compared to banks?
Credit unions like Pacific Horizon are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Pacific Horizon directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.