BlastPoint's Credit Union Scorecard
HORIZON
Charter #63844 · MO
HORIZON demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.14% above tier average
- + Net Interest Margin 0.06% above tier average
- + Total Members: Top 7.3% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,280
+2.1% YoY+0.8% QoQ
|
+3.6K |
2,676
+1.6% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
Top 7.4% in tier |
| Assets |
$57.5M
-3.1% YoY+0.5% QoQ
|
+$27.3M |
$30.2M
+1.3% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
82% |
| Loans |
$36.2M
-6.8% YoY-2.3% QoQ
|
+$20.9M |
$15.3M
-2.0% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
Top 12.6% in tier |
| Deposits |
$50.1M
-3.9% YoY+0.4% QoQ
|
+$24.3M |
$25.8M
+0.7% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
82% |
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| ROA |
0.3%
-50.1% YoY-65.9% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
34% |
| NIM |
4.1%
+8.5% YoY-1.1% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
61% |
| Efficiency Ratio |
84.5%
+1.7% YoY+6.7% QoQ
|
-6.2% |
90.6%
+6.5% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
57% |
| Delinquency Rate |
1.1%
+16.2% YoY+57.2% QoQ
|
-0.4 |
1.5%
+3.8% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
66% |
| Loan To Share |
72.2%
-3.0% YoY-2.7% QoQ
|
+13.7% |
58.5%
-3.0% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
71% |
| AMR |
$13,738
-7.1% YoY-1.5% QoQ
|
$-1K |
$14,884
-1.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
49% |
| CD Concentration |
32.1%
+0.5% YoY-5.6% QoQ
|
+7.8% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % |
1.5%
-17.0% QoQ
|
-12.3% | 13.8% | 9.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)