Side-by-side · Q2 2026 data
Utah Heritage Credit Union vs Pacific Horizon Credit Union
Metric by metric
| Measure | Utah Heritage Credit Union | Pacific Horizon Credit Union |
|---|---|---|
| TellerScore | 63 (stronger) | 53 |
| Capital cushion | 74 (stronger) | 43 |
| Loan quality | 16 | 40 (stronger) |
| Earnings | 85 (stronger) | 58 |
| Funding & liquidity | 84 (stronger) | 75 |
| Problem-loan coverage | 73 (stronger) | 70 |
| Peer percentile | 29th | 9th |
| Total assets | $166.7M | $141.4M |
| Deposits / shares | $144.0M | $127.7M |
| Capital ratio | 12.36% (stronger) | 9.30% |
| Problem loans | 2.51% | 1.81% (stronger) |
| Net charge-offs | 0.17% (stronger) | 0.62% |
| Return on assets | 1.64% (stronger) | 0.95% |
| Loans ÷ deposits | 76.5% (stronger) | 85.5% |
| Uninsured deposits | 15.0% | 6.9% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Utah Heritage Credit Union has the higher TellerScore (63 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Utah Heritage Credit Union leads on 5 and Pacific Horizon Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.