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
Call Report peers
Pacific Horizon in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Pacific Horizon sits in 55-59 with 115 others.
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
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%).
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.
- One place up in Utah, American United (#51) scores 63/100, 5 points higher; one place down, FLEXPAK (#53) scores 50/100, 8 points lower.
Pacific Horizon Call Report trajectory
Pacific Horizon: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $138.2M (2025Q4) to $141.6M (2026Q1).
- Net-worth ratio shifted +0.05 pp (9.04% → 9.09%).
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
Pacific Horizon gives up 42 points in total. Delinquency Rate costs the most, 16.5 of its 25; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is Pacific Horizon financially healthy?
On its 2025Q4 NCUA 5300 filing, Pacific Horizon scores 58/100 (Fair), with a 9.09% net worth ratio and 2.64% of loans delinquent. It ranks #4,120 of 4,374 nationally on health and #52 of 53 in Utah.
How does Pacific Horizon compare to other credit unions?
Pacific Horizon scores 58/100, higher than 6% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (84.72% vs 72.20%). Its widest shortfall is net worth ratio (9.09% vs 12.11%).
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?
Pacific Horizon is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.