Horizon

Spokane Valley, WA · 2 · Charter #67264 · www.hzcu.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$2.0B
47th percentile
Members
106,635
46th percentile
Total loans
$1.6B
54th percentile
Total shares
$1.7B
47th percentile

Profitability

Return on assets
0.92%
44th percentile
Net interest margin
3.51%
70th percentile
Efficiency ratio
55.28%
33th percentile
Non-interest income ratio
12.53%
13th percentile

Capital & Risk

Net worth ratio
12.36%
76th percentile
Delinquency rate
0.24%
93th percentile
Net charge-off rate
0.40%
63th percentile
Loan-to-share
97.54%
74th percentile

Growth

Member growth YoY
-3.28%
9th percentile
Asset growth YoY
1.13%
17th percentile
Loan growth YoY
-3.65%
7th percentile
Share growth YoY
-0.61%
10th percentile

Operations

Members / branch
3,808
6th percentile
Assets / member
$19,062
60th percentile
Field of membership penetration
3.23%
35th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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