BlastPoint's Credit Union Scorecard
HORIZON
Charter #10687 · PA
HORIZON has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 20.3% in tier
- + Organic Growth Engine: Top 26.7% in tier
- + Emerging Performer: Top 95.8% in tier
- + Net Interest Margin 0.50% above tier average
- + Share Certificate Concentration (%): Top 1.1% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4.3% in tier
- - Credit Risk Growth: Bottom 5.8% in tier
- - Efficiency Drag: Bottom 15.9% in tier
- - ROA 0.25% below tier average
- - Efficiency ratio 11.74% above tier (higher cost structure)
- - Delinquency rate 0.96% above tier average
- - Members Per Employee (MPE): Bottom 4.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,910
+1.9% YoY+3.0% QoQ
|
-718 |
15,628
-3.4% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
57% |
| Assets |
$147.5M
+3.4% YoY+0.5% QoQ
|
$-83.8M |
$231.3M
-0.0% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
30% |
| Loans |
$99.7M
+5.9% YoY-2.7% QoQ
|
$-48.1M |
$147.8M
-1.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
34% |
| Deposits |
$132.9M
+3.5% YoY-0.8% QoQ
|
$-67.4M |
$200.3M
-0.0% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
32% |
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| ROA |
0.5%
-565.7% YoY-31.5% QoQ
|
-0.3% |
0.8%
+15.5% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
35% |
| NIM |
4.1%
+11.7% YoY+2.8% QoQ
|
+0.5% |
3.6%
+6.9% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
78% |
| Efficiency Ratio |
89.0%
-8.6% YoY+2.1% QoQ
|
+11.7% |
77.3%
-3.0% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Top 12.1% in tier |
| Delinquency Rate |
1.8%
+49.9% YoY+36.2% QoQ
|
+1.0 |
0.9%
+7.6% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
Top 9.2% in tier |
| Loan To Share |
75.0%
+2.4% YoY-1.9% QoQ
|
+2.3% |
72.7%
-1.5% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
52% |
| AMR |
$15,603
+2.6% YoY-4.5% QoQ
|
$-9K |
$24,363
+2.9% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.2% in tier |
| CD Concentration |
0.0%
-99.9% YoY-96.2% QoQ
|
-24.4% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
7.9%
-25.3% YoY-17.3% QoQ
|
-6.1% |
14.0%
-5.7% YoY
|
8.0%
+2.0% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)