Pacific Horizon Credit Union
Major Rating Factors:
Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.1 and a net worth ratio of 9.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 13.6 percent of nonperforming loans to core capital contributes to the Good asset quality (5.8). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.1 has resulted in Fair (4.3) profitability.
Asset Mix:
Consumer loans (36%), home mtgs (23%), comm loans (0%), other (40%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
96 East Center Street
Springville, UT 84663
Springville, UT 84663
Phone Number
(801) 489-3605
NCUA Charter Number
Website
Largest Competitors
Ogden, UT
Sandy, UT
Washington Terrace, UT
Provo, UT
Springville, UT