BlastPoint's Credit Union Scorecard
HORIZON
Charter #10687 · PA
HORIZON has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.39% above tier average
- + Share Certificate Concentration (%): Top 1.9% in tier
- + Fee Income Per Member: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - ROA 0.65% below tier average
- - Efficiency ratio 18.30% above tier (higher cost structure)
- - Delinquency rate 1.44% above tier average
- - Loan Growth Rate: Bottom 2.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 4.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 62 that size in Pennsylvania.
- Shares and deposits +2.7% year over year ($138M in shares and deposits).
- Membership: 14,450 members, -0.2% vs a year ago.
- Delinquency rate 2.32%.
- Return on assets 0.22%.
- Efficiency ratio 95.04% vs a 76.73% peer average.
- Loan-to-share ratio 67.12% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,450
-0.2% YoY-3.0% QoQ
|
-718 |
15,168
-2.6% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
57% |
| Assets |
$152.4M
+3.9% YoY+0.0% QoQ
|
$-79.6M |
$232.0M
+0.7% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
31% |
| Loans |
$92.3M
-9.9% YoY-1.7% QoQ
|
$-53.9M |
$146.3M
+0.2% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
31% |
| Deposits |
$137.6M
+2.7% YoY-0.3% QoQ
|
$-63.1M |
$200.7M
+0.2% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
35% |
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| ROA |
0.2%
-72.3% YoY-199.5% QoQ
|
-0.6% |
0.9%
+12.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 9.2% in tier |
| NIM |
4.1%
+2.4% YoY+0.9% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
74% |
| Efficiency Ratio |
95.0%
+9.0% YoY-0.6% QoQ
|
+18.3% |
76.7%
-0.8% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 3.9% in tier |
| Delinquency Rate |
2.3%
+73.5% YoY+24.8% QoQ
|
+1.4 |
0.9%
+6.6% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
Bottom 4.4% in tier |
| Loan To Share |
67.1%
-12.3% YoY-1.4% QoQ
|
-4.4% |
71.5%
-0.3% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
37% |
| AMR |
$15,910
-2.6% YoY+2.2% QoQ
|
$-9K |
$25,107
+3.2% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
Bottom 12.4% in tier |
| CD Concentration |
1.2%
+933.0% YoY-35.2% QoQ
|
-23.4% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % |
6.6%
-30.9% YoY-12.3% QoQ
|
-7.0% | 13.6% | 8.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)