Side-by-side · Q2 2026 data
Sierra Pacific Federal Credit Union vs Financial Horizons Credit Union
Metric by metric
| Measure | Sierra Pacific Federal Credit Union | Financial Horizons Credit Union |
|---|---|---|
| TellerScore | 83 | 88 (stronger) |
| Capital cushion | 86 (stronger) | 80 |
| Loan quality | 81 | 97 (stronger) |
| Earnings | 61 | 77 (stronger) |
| Funding & liquidity | 100 (stronger) | 99 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 83rd | 92nd |
| Total assets | $189.4M | $313.0M |
| Deposits / shares | $163.4M | $280.2M |
| Capital ratio | 13.57% (stronger) | 12.98% |
| Problem loans | 0.57% | 0.08% (stronger) |
| Net charge-offs | 0.33% | 0.26% (stronger) |
| Return on assets | 1.03% | 1.43% (stronger) |
| Loans ÷ deposits | 57.3% (stronger) | 61.2% |
| Uninsured deposits | 6.0% | 0.0% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Financial Horizons Credit Union has the higher TellerScore (88 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Sierra Pacific Federal Credit Union leads on 2 and Financial Horizons Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.