| Metric | Horizon Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.6% | +1.3% | -2.9 pts |
| Share growth (YoY) | -2.4% | +0.7% | -3.1 pts |
| Loan growth (YoY) | +5.0% | -2.4% | +7.3 pts |
| ROA | 0.74% | 0.60% | +0.1 pts |
| ROE | 6.2% | 4.1% | +2.1 pts |
ROA ranks in the 57th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $59.7M | $53.0M | $42.8M | $7.1M | $110K | 0.74% | 4.13% | 0.14% | 4,080 |
| Q4 2025 | $60.0M | $54.0M | $42.1M | $6.9M | $366K | 0.61% | 3.93% | 0.01% | 4,103 |
| Q3 2025 | $59.1M | $52.6M | $41.7M | $6.9M | $266K | 0.60% | 3.94% | 0.13% | 4,133 |
| Q2 2025 | $60.8M | $54.3M | $40.5M | $6.8M | $164K | 0.54% | 3.76% | 0.34% | 4,173 |
| Q1 2025 | $60.7M | $54.3M | $40.8M | $6.7M | $72K | 0.48% | 3.71% | 0.00% | 4,209 |
| Q4 2024 | $59.7M | $53.5M | $41.1M | $6.6M | $193K | 0.32% | 3.52% | 0.02% | 4,252 |
| Q3 2024 | $59.7M | $53.4M | $41.1M | $6.6M | $129K | 0.29% | 3.46% | 0.00% | 4,301 |
| Q2 2024 | $60.3M | $53.9M | $40.9M | $6.6M | $52K | 0.17% | 3.31% | 0.46% |
| Ratio | Horizon Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.74% | 0.60% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 6.2% | 4.1% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.13% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
| 4,333 |
Loan mix (Q1 2026): real estate $29.5M · commercial $0 · consumer $10.6M · securities $10.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 86.5% | 81.5% | 62th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Horizon Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Horizon Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Horizon Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Horizon Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.