Headquartered in Springville, Utah, Pacific Horizon Credit Union is a federally insured state-chartered credit union with $141.4M in total assets and $127.7M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1954.
Pacific Horizon Credit Union has a TellerScore of 53 out of 100 (below average) based on Q2 2026 data — higher than only 9% of its 1,341 credit unions with $100 million – $1 billion. Among 51 credit unions headquartered in Utah, it ranks 47th. Funding & liquidity contributes the most (75/100, 85% loans-to-deposits, 7% uninsured); loan quality contributes the least (40/100, 1.81%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 13 points (40 → 53), mostly because the loan quality component improved by 40 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 41 |
| Q3 2024 | 34 |
| Q4 2024 | 26 |
| Q1 2025 | 47 |
| Q2 2025 | 40 |
| Q3 2025 | 41 |
| Q4 2025 | 43 |
| Q1 2026 | 52 |
| Q2 2026 | 53 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.39% |
| Q3 2024 | 9.33% |
| Q4 2024 | 8.56% |
| Q1 2025 | 8.69% |
| Q2 2025 | 8.90% |
| Q3 2025 | 9.05% |
| Q4 2025 | 9.04% |
| Q1 2026 | 9.09% |
| Q2 2026 | 9.30% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 3.26% |
| Q3 2024 | 3.45% |
| Q4 2024 | 2.99% |
| Q1 2025 | 2.50% |
| Q2 2025 | 3.59% |
| Q3 2025 | 3.18% |
| Q4 2025 | 2.64% |
| Q1 2026 | 1.92% |
| Q2 2026 | 1.81% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.03% |
| Q3 2024 | 0.32% |
| Q4 2024 | -0.56% |
| Q1 2025 | 1.37% |
| Q2 2025 | 1.11% |
| Q3 2025 | 1.05% |
| Q4 2025 | 0.83% |
| Q1 2026 | 1.07% |
| Q2 2026 | 0.95% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 53 | $141.4M | 9.30% | 1.81% | 0.95% | 85.5% |
| Q1 2026 | 52 | $141.6M | 9.09% | 1.92% | 1.07% | 84.9% |
| Q4 2025 | 43 | $138.2M | 9.04% | 2.64% | 0.83% | 84.7% |
| Q3 2025 | 41 | $137.3M | 9.05% | 3.18% | 1.05% | 85.0% |
| Q2 2025 | 40 | $136.1M | 8.90% | 3.59% | 1.11% | 85.1% |
| Q1 2025 | 47 | $136.2M | 8.69% | 2.50% | 1.37% | 84.2% |
| Q4 2024 | 26 | $132.8M | 8.56% | 2.99% | -0.56% | 88.0% |
| Q3 2024 | 34 | $129.1M | 9.33% | 3.45% | 0.32% | 91.1% |
| Q2 2024 | 41 | $133.7M | 9.39% | 3.26% | 1.03% | 87.3% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Utah
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Desert Rivers Federal Credit UnionCredit union Moab, UT | 50 out of 100, Below average | $116.7M | 8.4% | 1.34% | vs |
| Utah Heritage Credit UnionCredit union Moroni, UT | 63 out of 100, Moderate | $166.7M | 12.4% | 2.51% | vs |
| Hercules First Federal Credit UnionCredit union Salt Lake City, UT | 51 out of 100, Below average | $176.3M | 9.0% | 1.00% | vs |
| Horizon Utah Federal Credit UnionCredit union Farmington, UT | 64 out of 100, Moderate | $185.2M | 11.5% | 0.91% | vs |
| Members First Credit UnionCredit union Brigham City, UT | 95 out of 100, Very strong | $209.1M | 14.9% | 0.43% | vs |
| Eastern Utah Community Federal Credit UnionCredit union Price, UT | 81 out of 100, Strong | $219.2M | 14.1% | 0.74% | vs |
Deposit insurance
Is my money safe at Pacific Horizon Credit Union?
Yes. Pacific Horizon Credit Union is a federally insured credit union (NCUA charter #67147). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 6.9% of shares and deposits ($8.8M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 9.30%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
3 locations
Branches
Pacific Horizon Credit Union lists 3 offices in 3 cities. Most locations:
- Payson, UT (1)
- Spanish Fork, UT (1)
- Springville, UT (1)
Identity & history
Profile
- Legal name
- Pacific Horizon Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 67147
- RSSD ID
- 278591
- Primary regulator
- State + NCUA
- Established
- 1954
- Headquarters
- 96 E Center St, Springville, UT 84663
- Employees
- 25
Quick answers
Pacific Horizon Credit Union: common questions
Is Pacific Horizon Credit Union NCUA insured?
Yes. Pacific Horizon Credit Union is a federally insured credit union (NCUA charter #67147). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Pacific Horizon Credit Union's TellerScore?
53 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Pacific Horizon Credit Union have?
3 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Springville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Central BankBank Provo, UT | 89 out of 100, Very strong | $2.2B | 15.4% | 0.47% | vs |
| Orem City Employees Federal Credit UnionCredit union Orem, UT | 82 out of 100, Strong | $2.7M | 14.3% | 0.13% | vs |
| Grand Valley BankBank Heber City, UT | 82 out of 100, Strong | $599.4M | 11.5% | 0.02% | vs |
| Goldenwest Federal Credit UnionCredit union Ogden, UT | 81 out of 100, Strong | $4.3B | 13.2% | 0.47% | vs |
| Happen Bank, National AssociationBank Lehi, UT | 79 out of 100, Strong | $12.5B | 11.0% | 0.82% | vs |
| Freedom Credit UnionCredit union Provo, UT | 77 out of 100, Strong | $70.0M | 11.7% | 0.24% | vs |