Side-by-side · Q2 2026 data
Orem City Employees Federal Credit Union vs Pacific Horizon Credit Union
Metric by metric
| Measure | Orem City Employees Federal Credit Union | Pacific Horizon Credit Union |
|---|---|---|
| TellerScore | 82 (stronger) | 53 |
| Capital cushion | 93 (stronger) | 43 |
| Loan quality | 96 (stronger) | 40 |
| Earnings | 30 | 58 (stronger) |
| Funding & liquidity | 92 (stronger) | 75 |
| Problem-loan coverage | 99 (stronger) | 70 |
| Peer percentile | 70th | 9th |
| Total assets | $2.7M | $141.4M |
| Deposits / shares | $2.3M | $127.7M |
| Capital ratio | 14.33% (stronger) | 9.30% |
| Problem loans | 0.13% (stronger) | 1.81% |
| Net charge-offs | 0.00% (stronger) | 0.62% |
| Return on assets | 0.24% | 0.95% (stronger) |
| Loans ÷ deposits | 67.8% (stronger) | 85.5% |
| Uninsured deposits | 0.0% (stronger) | 6.9% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Orem City Employees Federal Credit Union has the higher TellerScore (82 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Orem City Employees Federal Credit Union leads on 6 and Pacific Horizon Credit Union on 1. 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.