BlastPoint's Credit Union Scorecard
HORIZON
Charter #63844 · MO
HORIZON demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.21% above tier average
- + Net Interest Margin 0.16% above tier average
- + Total Members: Top 8.1% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,232
+2.5% YoY+0.1% QoQ
|
+3.6K |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
Top 8.1% in tier |
| Assets |
$57.2M
-2.2% YoY-0.5% QoQ
|
+$27.0M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
81% |
| Loans |
$37.0M
-6.3% YoY-2.7% QoQ
|
+$21.3M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
Top 12.6% in tier |
| Deposits |
$49.9M
-3.7% YoY-0.9% QoQ
|
+$24.2M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
82% |
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| ROA |
0.8%
+166.7% YoY-3.0% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
58% |
| NIM |
4.1%
+10.1% YoY+1.3% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
59% |
| Efficiency Ratio |
79.1%
-6.3% YoY+0.6% QoQ
|
-3.4% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
49% |
| Delinquency Rate |
0.7%
-33.3% YoY+0.3% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
49% |
| Loan To Share |
74.2%
-2.6% YoY-1.8% QoQ
|
+13.5% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
70% |
| AMR |
$13,953
-7.2% YoY-1.7% QoQ
|
$-830 |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
51% |
| CD Concentration |
34.0%
+1.0% YoY+5.7% QoQ
|
+9.6% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % |
1.8%
-15.1% QoQ
|
-12.0% | 13.8% | 10.0% | 7.8% | 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)