GREAT HORIZONS
Charter #22695 | IN
<100M
(2596 CUs)
Micro
($0-$500M)
82 <100M in IN
GREAT HORIZONS has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.55% above tier average
- + Net Interest Margin 2.87% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.74% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
451
-1.5% YoY-0.4% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
22,637
+3.1% YoY
|
33,089
+6.1% YoY
|
Bottom 12.6% in tier |
| Assets |
$3.6M
+6.9% YoY+2.1% QoQ
|
$-26.2M |
$29.9M
+1.1% YoY
|
$383.9M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.8% in tier |
| Loans |
$2.3M
-15.2% YoY-5.1% QoQ
|
$-13.4M |
$15.8M
-2.4% YoY
|
$276.9M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 19.7% in tier |
| Deposits |
$2.7M
+6.3% YoY+1.9% QoQ
|
$-22.7M |
$25.5M
+0.4% YoY
|
$323.0M
+10.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 14.6% in tier |
| ROA |
2.2%
-4.8% YoY+12.8% QoQ
|
+1.6% |
0.7%
-731.4% YoY
|
0.9%
+24.5% YoY
|
0.7%
+273.4% YoY
|
Top 5.9% in tier |
| NIM |
6.8%
-2.0% YoY-1.1% QoQ
|
+2.9% |
3.9%
+3.8% YoY
|
3.8%
+8.0% YoY
|
3.7%
+5.0% YoY
|
Top 1.7% in tier |
| Efficiency Ratio |
68.2%
+2.0% YoY-5.4% QoQ
|
-13.2% |
81.4%
-2.4% YoY
|
77.7%
-3.5% YoY
|
79.1%
-3.3% YoY
|
28th in tier |
| Delinquency Rate |
3.3%
+152.0% YoY+21.4% QoQ
|
+1.7 |
1.5%
-2.0% YoY
|
1.3%
+19.3% YoY
|
1.2%
-0.9% YoY
|
Top 10.6% in tier |
| Loan To Share |
85.5%
-20.3% YoY-6.8% QoQ
|
+24.3% |
61.2%
-3.0% YoY
|
69.6%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Top 15.9% in tier |
| AMR |
$11,224
-3.4% YoY-1.0% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$18,326
+4.3% YoY
|
$19,418
+1.3% YoY
|
35th in tier |
| CD Concentration |
0.4%
-5.8% YoY-1.8% QoQ
|
-24.0% |
24.4%
+4.2% YoY
|
19.0%
+9.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.0%
-3.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
45
Net Interest Margin (NIM)
profitability
Value:
6.80%
Peer Avg: 3.93%
#45 of 2596
Top 1.7% in <100M tier
152
Return on Assets (ROA)
profitability
Value:
2.23%
Peer Avg: 0.68%
#152 of 2596
Top 5.8% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
335
Net Worth Ratio
risk
Value:
23.67%
Peer Avg: 16.43%
#335 of 2596
Top 12.9% in <100M tier
409
Loan-to-Share Ratio
balance_sheet
Value:
85.52%
Peer Avg: 61.23%
#409 of 2596
Top 15.7% in <100M tier
442
Asset Growth Rate
growth
Value:
6.91%
Peer Avg: 1.82%
#442 of 2596
Top 17.0% in <100M tier
480
Deposit Growth Rate
growth
Value:
6.34%
Peer Avg: 16.80%
#480 of 2596
Top 18.5% in <100M tier
618
Share Certificate Concentration (%)
balance_sheet
Value:
0.44%
Peer Avg: 15.37%
#618 of 2596
Top 23.8% in <100M tier
Top Weaknesses (8 metrics)
2323
Total Delinquency Rate (60+ days)
risk
Value:
3.25%
Peer Avg: 1.51%
#2323 of 2596
Bottom 10.6% in <100M tier
2305
Loan Growth Rate
growth
Value:
-15.24%
Peer Avg: 59.01%
#2305 of 2596
Bottom 11.2% in <100M tier
2270
Total Members
engagement
Value:
451
Peer Avg: 2,626
#2270 of 2596
Bottom 12.6% in <100M tier
2217
Total Deposits
balance_sheet
Value:
$2.73M
Peer Avg: $25.45M
#2217 of 2596
Bottom 14.6% in <100M tier
2211
Total Assets
balance_sheet
Value:
$3.61M
Peer Avg: $29.86M
#2211 of 2596
Bottom 14.9% in <100M tier
2084
Total Loans
balance_sheet
Value:
$2.33M
Peer Avg: $15.77M
#2084 of 2596
Bottom 19.8% in <100M tier
2071
Members Per Employee (MPE)
engagement
Value:
225.500
Peer Avg: 365.701
#2071 of 2596
Bottom 20.3% in <100M tier
1998
AMR Growth Rate
growth
Value:
-3.35%
Peer Avg: 4.67%
#1998 of 2596
Bottom 23.1% in <100M tier