BlastPoint's Credit Union Scorecard
HORIZON
Charter #63844 · MO
HORIZON has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.20% above tier average
- + Total Members: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.14% below tier average
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 2,437 credit unions with under $100M in assets nationally, and 1 of 58 that size in Missouri.
- Shares and deposits +0.7% year over year ($51.3M in shares and deposits).
- Membership: 6,292 members, +1.5% vs a year ago.
- Delinquency rate 0.84%.
- Return on assets 0.35%.
- Efficiency ratio 86.06% vs a 88.77% peer average.
- Loan-to-share ratio 70.83% vs a 58.89% 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 (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,292
+1.5% YoY+0.2% QoQ
|
+3.7K |
2,585
-1.7% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
Top 7.5% in tier |
| Assets |
$58.8M
+1.7% YoY+2.2% QoQ
|
+$28.5M |
$30.3M
+1.5% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
82% |
| Loans |
$36.3M
-6.2% YoY+0.4% QoQ
|
+$20.9M |
$15.5M
-1.7% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
Top 12.5% in tier |
| Deposits |
$51.3M
+0.7% YoY+2.3% QoQ
|
+$25.5M |
$25.8M
+1.1% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
83% |
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| ROA |
0.3%
-51.9% YoY+22.3% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
21% |
| NIM |
4.1%
+5.3% YoY+0.8% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
61% |
| Efficiency Ratio |
86.1%
+7.2% YoY+1.9% QoQ
|
-2.7% |
88.8%
-6.9% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
63% |
| Delinquency Rate |
0.8%
+14.4% YoY-22.6% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
55% |
| Loan To Share |
70.8%
-6.8% YoY-1.9% QoQ
|
+11.9% |
58.9%
-3.1% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
68% |
| AMR |
$13,918
-3.8% YoY+1.3% QoQ
|
$-1K |
$14,963
-6.8% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
50% |
| CD Concentration |
31.8%
+2.4% YoY-0.9% QoQ
|
+7.3% | 24.6% | 18.3% | 20.0% | 50% |
| Indirect Auto % |
1.2%
-52.7% YoY-21.1% QoQ
|
-12.4% | 13.6% | 9.9% | 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)