BlastPoint's Credit Union Scorecard

HORIZON

Charter #10687 · PA

100M-500M

1069 CUs in 100M-500M nationally 61 in PA

HORIZON has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.57% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.43% below tier average
- Efficiency ratio 12.54% above tier (higher cost structure)
- Delinquency rate 0.94% above tier average
- Member decline: -4.1% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	14,181 -4.1% YoY-4.9% QoQ	-1.3K	15,437 -2.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	54%
Assets	$147.9M +4.0% YoY+0.3% QoQ	$-83.9M	$231.9M +1.3% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	30%
Loans	$96.7M -0.4% YoY-3.1% QoQ	$-50.7M	$147.3M -0.1% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	33%
Deposits	$133.6M +3.8% YoY+0.5% QoQ	$-67.2M	$200.8M +0.8% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	32%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% -154.1% YoY-37.8% QoQ	-0.4%	0.8% +18.2% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	20%
NIM	4.2% +12.0% YoY+2.2% QoQ	+0.6%	3.6% +6.7% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	81%
Efficiency Ratio	89.6% -15.2% YoY+0.6% QoQ	+12.5%	77.0% -3.1% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	Bottom 10.9% in tier
Delinquency Rate	1.8% +53.5% YoY+0.5% QoQ	+0.9	0.9% +4.2% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	Bottom 9.1% in tier
Loan To Share	72.4% -4.0% YoY-3.5% QoQ	+0.1%	72.2% -1.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	47%
AMR	$16,236 +6.4% YoY+4.1% QoQ	$-8K	$24,676 +3.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	Bottom 13.7% in tier
CD Concentration	0.0% -99.8% YoY	-24.4%	24.4%	15.5%	19.8%	50%
Indirect Auto %	8.1% -21.4% YoY+3.4% QoQ	-5.7%	13.8%	8.1%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#382 of 513 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.37%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (4)

Credit Quality Pressure

risk

#86 of 705 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.64% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Stagnation Risk

risk

#100 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.12%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -0.38%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.83%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#181 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.12%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#368 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 89.55%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.95% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -4.12%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (3 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#13 of 1069 Top 1.1% in 100M-500M tier

110

Fee Income Per Member

profitability

Value: $265.03

Peer Median: -

#110 of 1069 Top 10.2% in 100M-500M tier

207

Net Interest Margin (NIM)

profitability

Value: 4.18%

Peer Median: -

#207 of 1069 Top 19.3% in 100M-500M tier

Top Weaknesses (8 metrics)

975

Members Per Employee (MPE)

engagement

Value: 221.578

Peer Median: -

#975 of 1069 Bottom 8.9% in 100M-500M tier

973

Total Delinquency Rate (60+ days)

risk

Value: 1.83%

Peer Median: -

#973 of 1069 Bottom 9.1% in 100M-500M tier

953

Efficiency Ratio

profitability

Value: 89.55%

Peer Median: -

#953 of 1069 Bottom 10.9% in 100M-500M tier

923

Average Member Relationship (AMR)

engagement

Value: $16,236

Peer Median: -

#923 of 1069 Bottom 13.8% in 100M-500M tier

919

Member Growth Rate

growth

Value: -4.12%

Peer Median: -

#919 of 1069 Bottom 14.1% in 100M-500M tier

900

Net Worth Ratio

risk

Value: 9.16%

Peer Median: -

#900 of 1069 Bottom 15.9% in 100M-500M tier

858

Return on Assets (ROA)

profitability

Value: 0.33%

Peer Median: -

#858 of 1069 Bottom 19.8% in 100M-500M tier

853

Loan-to-Member Ratio (LMR)

engagement

Value: $6,816

Peer Median: -

#853 of 1069 Bottom 20.3% in 100M-500M tier