Side-by-side · Q2 2026 data
Happen Bank, National Association vs Pacific Horizon Credit Union
Metric by metric
| Measure | Happen Bank, National Association | Pacific Horizon Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 53 |
| Capital cushion | 60 (stronger) | 43 |
| Loan quality | 73 (stronger) | 40 |
| Earnings | 93 (stronger) | 58 |
| Funding & liquidity | 97 (stronger) | 75 |
| Problem-loan coverage | 93 (stronger) | 70 |
| Peer percentile | 94th | 9th |
| Total assets | $12.5B | $141.4M |
| Deposits / shares | $10.9B | $127.7M |
| Capital ratio | 10.98% (stronger) | 9.30% |
| Problem loans | 0.82% (stronger) | 1.81% |
| Net charge-offs | 2.15% | 0.62% (stronger) |
| Return on assets | 1.82% (stronger) | 0.95% |
| Loans ÷ deposits | 63.1% (stronger) | 85.5% |
| Uninsured deposits | 12.0% | 6.9% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Happen Bank, National Association has the higher TellerScore (79 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Happen Bank, National Association 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.