Horizon

Kingsport, TN · 2 · Charter #68138 · www.myhorizoncu.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
$60.0M
12th percentile
Members
4,103
15th percentile
Total loans
$42.1M
31th percentile
Total shares
$54.0M
15th percentile

Profitability

Return on assets
0.61%
23th percentile
Net interest margin
3.93%
66th percentile
Efficiency ratio
78.58%
9th percentile
Non-interest income ratio
22.99%
77th percentile

Capital & Risk

Net worth ratio
11.57%
42th percentile
Delinquency rate
0.01%
98th percentile
Net charge-off rate
0.05%
91th percentile
Loan-to-share
78.02%
67th percentile

Growth

Member growth YoY
-3.50%
20th percentile
Asset growth YoY
0.63%
24th percentile
Loan growth YoY
2.52%
57th percentile
Share growth YoY
0.92%
30th percentile

Operations

Members / branch
1,026
2th percentile
Assets / member
$14,632
52th percentile
Field of membership penetration
41.03%
86th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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