Pacific Horizon Credit Union
Major Rating Factors:
Good current capitalization (6.3 on a scale of 0 to 10) based on a net capital to total assets of 8.7 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.4 has resulted in Good (5.7) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.9 on a scale of 0 to 10). A current level of 20.7 percent of nonperforming loans to core capital combined with 14.8 percent from a year earlier contributes to the Fair asset quality (3.7).
Asset Mix:
Consumer loans (40%), home mtgs (20%), other (39%)
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
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