State credit union · Springville, Utah · NCUA charter #67147
Pacific Horizon
Health score 58/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 58
- Health / 100
- $138.2M
- Total assets
- 8,687
- Members
- 9.0%
- Net-worth ratio
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.
Pacific Horizon - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)92
- Asset quality (delinquency)34
- Earnings (ROA)0
- Member growth47
- Liquidity (loan-to-share)100
Weighted composite: 58/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 9.04% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.04% | 30% |
| Delinquency Rate | 2.64% | 25% |
| Return on Assets | -0.54% | 15% |
| Member Growth | -1.08% | 15% |
| Loan-to-Share Ratio | 84.72% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Pacific Horizon
Pacific Horizon is a state credit union headquartered in Springville, Utah, serving 8,687 members with $138.2M in total assets and $106.1M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 58/100 (Fair), anchored by a net worth ratio of 9.04% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #67147 operates under peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
Deposits deployed into lending sit at a 84.72% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 2.64% of the book 60+ days past due - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Return on assets stands at -0.54% on net income of $-749205 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.08%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Utah
More federally-insured credit unions based in Utah, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.04% 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 9.04% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.