# PACIFIC HORIZON
Springville, UT · NCUA charter 67147 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/pacific-horizon-67147

Who the members are: state charter, organized 1954. 8,664 members of 100,000 potential (8.7% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 69.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $141.6M |
| Members | 8,664 (-1.0% YoY) |
| Full-time staff | 14 |
| Net worth | $12.9M |
| Net worth ratio | 9.1% (p15 of band) |
| ROA (annualized) | 1.07% (p72 of band) |
| Total delinquency | 1.92% (p92 of band) |
| Net charge-offs (annualized) | 0.57% (p72 of band) |
| Loans / shares | 85% (p81 of band) |
| Cash / assets | 19.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.07% (p18 of band) |
| Operating expense / assets | 2.59% (p15 of band) |
| Vehicles % of loans | 45% (p63 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 2.47% (p94 of band) |
| Vehicle NCO | 1.14% (p78 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 3% |
| Core shares % of member funds | 38% |
| Certificates % of member funds | 42% |
| Average share balance | $7,535 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 69% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $18,168 |
| Loans granted, annualized | $40.4M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 2 | net worth falling, loans>95% of shares |  |
| 2018-03 | 1 |  | loans>95% of shares |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 | loans>95% of shares | net worth falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | loans>95% of shares |
| 2019-06 | 1 | loans>95% of shares |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 0 |  | loans>95% of shares |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2020-12 | 0 |  | net worth falling, delinquency 2x band, delinquency rising |
| 2021-03 | 1 | margin squeeze |  |
| 2021-06 | 2 | net worth falling, delinquency 2x band | margin squeeze |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 2 | delinquency rising |  |
| 2022-03 | 3 | loans>95% of shares |  |
| 2022-06 | 2 |  | delinquency rising |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | loans>95% of shares |
| 2023-06 | 2 | delinquency rising |  |
| 2023-09 | 1 |  | delinquency rising |
| 2023-12 | 2 | delinquency rising |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 6 | thin capital, net worth falling, losing money, charge-offs p90 |  |
| 2025-03 | 2 |  | delinquency rising, net worth falling, losing money, charge-offs p90 |
| 2025-06 | 2 |  |  |
| 2025-09 | 1 |  | thin capital |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2024-03-28 [Steven A. Clayson - walkermemorials.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE9tckQ3WDVTZVFYa21WQlQ2X0w0cThMWkxzdVNkTnh6dVNtZG5CUmlWcDZITmtyNlFRR3dBcFRyTXVtU0dxY0k2bFB5bG9ZYU1xZ1k4OUFnWUdobmdOR3plVUdJek8?oc=5) · walkermemorials.com
- 2016-08-16 [Spanish Fork Police requesting public’s help locating armed bank robber - Gephardt Daily](https://news.google.com/rss/articles/CBMipgFBVV95cUxPbDZpYXc2S09kZEMwbkdERXVZbDRNYlVsaFl4eTFzTjNZTXJHM3lHbGZ0bXRkTkEtcVZBc1pBSDBwX1ZLT3d5NF9VbVlycmNDeDdla2FkeWZfem05dG5IYTNteTBqYlkwOFBITy1LcnhfaDdmZm1QdWhKTENTV3NzaTRvOVJsZ0diLXVlOERMbHlzd1BiYVo2WnhQQUlJcmZYSnNqeVZn?oc=5) · Gephardt Daily
- 2023-09-22 [Robert Thayne Murray Obituary Apr 5, 2008 - Wheeler & Sundberg-Olpin Funeral Homes - wheelermortuaries.com](https://news.google.com/rss/articles/CBMiakFVX3lxTFB5d2FmU3FqeXlwNGYzTlQtd0I4WUxTa0t1RmRzOGE3SmpRaFdiQzdzT3VVMDh1Q3kzTHJOd2RyM3djLWVoNC16QWxKdjVvRHBQaElXTkFyeFltWVVQQ1o0X05lLXM2X3RyNWc?oc=5) · wheelermortuaries.com
- 2023-01-09 [Gina Rae (Christen) Lewis Obituary Jan 9, 2023 - Wheeler & Sundberg-Olpin Funeral Homes - wheelermortuaries.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBxdmxtQUM3RllfczhJaU4wcDNQU001YUQwSGI0Q1FvbEMyaGxZX2JkcjdKaWhUbkk4bm5OSTFpM1FhM2Q5cXlQZWk5RlJjcjRKU2dtMEdPTkd1VkRwcVlDMTlkazVjQQ?oc=5) · wheelermortuaries.com
- 2020-01-26 [Jayla Ann Hiatt - walkermemorials.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE81ZWNNUW9mYnp0SUxHcGJxajdHV1VPQlBYb1QweEQ5RmtldUM4MU1DTW1TQlRKd2V0VUViMnlKdUJzSkxpX2I5ZEI1dWM0bVZIQlQxQWg1RG5QMjNkcENPMDh5Yw?oc=5) · walkermemorials.com
- 2023-02-10 [You could join some BYU football players on a cruise this spring. Here’s how - deseret.com](https://news.google.com/rss/articles/CBMif0FVX3lxTE13eWpLaFptVHhfb1Y0eXZMeE4zNU9YOGlMellLaWNFc3hRczRXZnRfRk56Y1BFeGxZUEdoMmRISnZUYVVTS1ZzZmVzQnAwS0NxSGc2YjBMV2hXZ0FfQzBWQU9tS0o1TVBrRFV3YV9iMjRVOTVZLWY0eTllNzZZSk0?oc=5) · deseret.com
- 2011-09-14 [Sherman Huff Obituary (2011) - Spanish Fork, UT - legacy.com](https://news.google.com/rss/articles/CBMigwFBVV95cUxNWGRRdGNXS1JJYUU4eEJwQlF5dWNuZVlWWC13WVRqRFZlMFRjanRxYjdTWklkZlB2akdKdUQ2cUFzMWZvN2V6S3Z5ZWdGMGUweDc1X2FPV3JQTU0tVVItMDA4Z3RLRnNId2trN3k2Q3VpQzMzTUVjRHlxS09fQmVQQm90aw?oc=5) · legacy.com
- 2004-03-24 [Kirstin A. Wilkinson - legacy.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOWVA3T3VNTHNfWnZfcnBFOFA1dUdTbmZZenlmYms0Nlk5SlJ6SnVjWUlQellmQlBXN3JyaEZ0ZE5BSGk2eld2YVFsYXF4VF9KbnUycXNaMUh3cXNlRTJHQUY3RXUyVWphTWhjcTJqWTdYWEEzXzdYeDh0VF8xWHlMeFlkUy1nUngwaWIzM01EU1NxSEQxNlE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67147 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/11.json (key "67147", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=67147
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide