| Metric | Horizon Credit Union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.1% | +1.3% | -4.4 pts |
| Share growth (YoY) | -3.9% | +0.7% | -4.6 pts |
| Loan growth (YoY) | -6.8% | -2.4% | -4.4 pts |
| ROA | 0.28% | 0.60% | -0.3 pts |
| ROE | 2.4% | 4.1% | -1.7 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $57.5M | $50.1M | $36.2M | $6.9M | $41K | 0.28% | 4.07% | 1.08% | 6,280 |
| Q4 2025 | $57.2M | $49.9M | $37.0M | $6.8M | $478K | 0.84% | 4.12% | 0.69% | 6,232 |
| Q3 2025 | $57.4M | $50.4M | $38.0M | $6.7M | $371K | 0.86% | 4.07% | 0.69% | 6,226 |
| Q2 2025 | $57.7M | $50.9M | $38.7M | $6.6M | $212K | 0.73% | 3.95% | 0.73% | 6,197 |
| Q1 2025 | $59.3M | $52.1M | $38.8M | $6.5M | $84K | 0.57% | 3.72% | 0.93% | 6,150 |
| Q4 2024 | $58.5M | $51.9M | $39.5M | $6.4M | $180K | 0.31% | 3.67% | 1.03% | 6,080 |
| Q3 2024 | $56.5M | $49.6M | $40.3M | $6.3M | $155K | 0.36% | 3.76% | 0.96% | 6,023 |
| Q2 2024 | $57.0M | $50.6M | $40.0M | $6.3M | $67K | 0.23% | 3.67% | 0.78% |
Nothing unusual in Q1 2026 — steady quarter.
| Ratio | Horizon Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.28% | 0.60% | — | |
Return on equity Annualized net income ÷ equity or net worth | 2.4% | 4.1% | — | |
Net interest margin Interest income − interest expense, ÷ assets | 4.07% | 3.83% | — | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner |
Peer lists, growth filters, CSV export, CRM push.
| 5,978 |
Loan mix (Q1 2026): real estate $295K · commercial $164K · consumer $31.9M · securities $10.0M
| 84.5% |
| 81.5% |
| — |
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.