Horizon

Williamsport, PA · 1 · Charter #10687 · www.HORIZONFCU.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
$147.9M
72th percentile
Members
14,181
88th percentile
Total loans
$96.7M
74th percentile
Total shares
$133.6M
75th percentile

Profitability

Return on assets
0.70%
28th percentile
Net interest margin
4.17%
78th percentile
Efficiency ratio
77.08%
11th percentile
Non-interest income ratio
32.59%
96th percentile

Capital & Risk

Net worth ratio
9.16%
13th percentile
Delinquency rate
1.83%
12th percentile
Net charge-off rate
0.60%
25th percentile
Loan-to-share
72.36%
58th percentile

Growth

Member growth YoY
-4.12%
16th percentile
Asset growth YoY
4.00%
50th percentile
Loan growth YoY
-0.38%
39th percentile
Share growth YoY
3.77%
54th percentile

Operations

Members / branch
2,364
32th percentile
Assets / member
$10,432
16th percentile
Field of membership penetration
2.18%
30th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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