Horizons North

Westminster, CO · 2 · Charter #68274 · www.hncu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$130.0M
63th percentile
Members
6,717
42th percentile
Total loans
$91.3M
71th percentile
Total shares
$119.4M
68th percentile

Profitability

Return on assets
0.74%
31th percentile
Net interest margin
3.38%
34th percentile
Efficiency ratio
63.39%
48th percentile
Non-interest income ratio
16.83%
48th percentile

Capital & Risk

Net worth ratio
8.32%
6th percentile
Delinquency rate
0.03%
97th percentile
Net charge-off rate
0.01%
96th percentile
Loan-to-share
76.46%
64th percentile

Growth

Member growth YoY
-1.96%
34th percentile
Asset growth YoY
7.71%
79th percentile
Loan growth YoY
0.21%
44th percentile
Share growth YoY
7.52%
79th percentile

Operations

Members / branch
6,717
93th percentile
Assets / member
$19,360
82th percentile
Field of membership penetration
9.39%
57th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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