PACIFIC HORIZON
Charter #67147 · Springville, UT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 8,664 sits at the 25th percentile of structural peers — worth a closer look.
- Net worth ratio of 9.09% sits at the 23rd percentile of structural peers — worth a closer look.
- Return on average assets of 1.08% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.11% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 0.34% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PACIFIC HORIZON | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $141.57M | 27th pct | 36th pct |
| Members | 8,664 | 22th pct | 25th pct |
| Net worth ratio | 9.09% | 15th pct | 23th pct |
| Return on average assets | 1.08% | 74th pct | 87th pct |
| Net interest margin | 3.11% | 19th pct | 8th pct |
| Cost of funds | 0.34% | 14th pct | 16th pct |
| Loan-to-share | 84.90% | 79th pct | 61th pct |
| Delinquency 60+ days | 1.92% | 94th pct | 97th pct |
| Net charge-off ratio | 0.57% | 71th pct | 67th pct |
| Loan growth YoY | 2.84% | 73th pct | 62th pct |
| Share growth YoY | 3.00% | 43th pct | 28th pct |
| Efficiency ratio | 66.81% | 19th pct | 7th pct |
structural peer set hash: d9da2b6afefe2faecd1350a874e3dfc1… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.