Side-by-side · Q2 2026 data
Freedom Credit Union vs Pacific Horizon Credit Union
Metric by metric
| Measure | Freedom Credit Union | Pacific Horizon Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 53 |
| Capital cushion | 67 (stronger) | 43 |
| Loan quality | 92 (stronger) | 40 |
| Earnings | 60 (stronger) | 58 |
| Funding & liquidity | 80 (stronger) | 75 |
| Problem-loan coverage | 96 (stronger) | 70 |
| Peer percentile | 57th | 9th |
| Total assets | $70.0M | $141.4M |
| Deposits / shares | $61.2M | $127.7M |
| Capital ratio | 11.69% (stronger) | 9.30% |
| Problem loans | 0.24% (stronger) | 1.81% |
| Net charge-offs | 0.15% (stronger) | 0.62% |
| Return on assets | 1.01% (stronger) | 0.95% |
| Loans ÷ deposits | 80.6% (stronger) | 85.5% |
| Uninsured deposits | 4.7% (stronger) | 6.9% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Freedom Credit Union has the higher TellerScore (77 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Freedom Credit Union leads on 7 and Pacific Horizon Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Springville, UT