Horizon

Macon, MO · 2 · Charter #63844 · www.yourhcu.com
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
$57.2M
8th percentile
Members
6,232
37th percentile
Total loans
$37.0M
23th percentile
Total shares
$49.9M
10th percentile

Profitability

Return on assets
0.98%
46th percentile
Net interest margin
4.12%
76th percentile
Efficiency ratio
60.30%
57th percentile
Non-interest income ratio
9.05%
12th percentile

Capital & Risk

Net worth ratio
11.98%
46th percentile
Delinquency rate
0.69%
51th percentile
Net charge-off rate
0.32%
51th percentile
Loan-to-share
74.15%
62th percentile

Growth

Member growth YoY
2.50%
83th percentile
Asset growth YoY
-2.25%
10th percentile
Loan growth YoY
-6.27%
13th percentile
Share growth YoY
-3.75%
7th percentile

Operations

Members / branch
3,116
50th percentile
Assets / member
$9,172
9th percentile
Field of membership penetration
24.93%
74th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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