Side-by-side · Q2 2026 data
Goldenwest Federal Credit Union vs Pacific Horizon Credit Union
Metric by metric
| Measure | Goldenwest Federal Credit Union | Pacific Horizon Credit Union |
|---|---|---|
| TellerScore | 81 (stronger) | 53 |
| Capital cushion | 82 (stronger) | 43 |
| Loan quality | 84 (stronger) | 40 |
| Earnings | 83 (stronger) | 58 |
| Funding & liquidity | 65 | 75 (stronger) |
| Problem-loan coverage | 94 (stronger) | 70 |
| Peer percentile | 89th | 9th |
| Total assets | $4.3B | $141.4M |
| Deposits / shares | $3.7B | $127.7M |
| Capital ratio | 13.20% (stronger) | 9.30% |
| Problem loans | 0.47% (stronger) | 1.81% |
| Net charge-offs | 0.27% (stronger) | 0.62% |
| Return on assets | 1.57% (stronger) | 0.95% |
| Loans ÷ deposits | 94.9% | 85.5% (stronger) |
| Uninsured deposits | 14.5% | 6.9% (stronger) |
| Offices | 41 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Goldenwest Federal Credit Union has the higher TellerScore (81 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Goldenwest Federal Credit Union leads on 5 and Pacific Horizon Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Payson, UT
- Spanish Fork, UT