BlastPoint's Credit Union Scorecard

HORIZON

Charter #67264 · WA

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 9 in WA

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HORIZON has 3 strengths but faces 9 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Credit Quality Leader: Top 23.4% in tier
+ Net Interest Margin 0.22% above tier average
+ Total Delinquency Rate (60+ days): Top 5.6% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 11.7% in tier
- Membership Headwinds: Bottom 18.4% in tier
- Indirect Auto Dependency: Bottom 21.1% in tier
- Institutional Decline: Bottom 21.6% in tier
- Liquidity Strain: Bottom 24.6% in tier
- Flatlined Growth: Bottom 45.7% in tier
- ROA 0.08% below tier average
- Efficiency ratio 2.79% above tier (higher cost structure)
- Member decline: -2.5% YoY

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	108,019 -2.5% YoY-0.7% QoQ	+9.3K	98,678 -1.9% YoY	65,720 +2.5% YoY	33,089 +6.1% YoY	64%
Assets	$2.0B +1.3% YoY+0.9% QoQ	+$316.2M	$1.7B +0.5% YoY	$1.2B +3.7% YoY	$547.7M +7.8% YoY	69%
Loans	$1.7B -1.5% YoY-1.2% QoQ	+$429.1M	$1.2B +0.5% YoY	$909.1M +5.1% YoY	$388.7M +8.6% YoY	79%
Deposits	$1.7B -1.1% YoY+1.5% QoQ	+$263.0M	$1.5B +1.3% YoY	$1.0B +6.5% YoY	$464.6M +9.3% YoY	70%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% +374.2% YoY+18.9% QoQ	-0.1%	0.7% +13.4% YoY	0.6% +9.9% YoY	0.7% +273.4% YoY	46%
NIM	3.5% +5.9% YoY+0.7% QoQ	+0.2%	3.3% +9.3% YoY	3.7% +4.7% YoY	3.7% +5.0% YoY	64%
Efficiency Ratio	76.8% -8.7% YoY-1.5% QoQ	+2.8%	74.0% -10.9% YoY	76.4% -1.1% YoY	79.1% -3.3% YoY	60%
Delinquency Rate	0.2% -8.2% YoY+12.9% QoQ	-0.6	0.8% +6.1% YoY	0.9% -2.6% YoY	1.2% -0.9% YoY	Bottom 5.6% in tier
Loan To Share	96.8% -0.4% YoY-2.6% QoQ	+11.6%	85.2% -0.8% YoY	76.9% -2.2% YoY	68.0% -1.7% YoY	81%
AMR	$31,287 +1.2% YoY+0.9% QoQ	+$2K	$29,172 +2.8% YoY	$28,761 +2.7% YoY	$19,418 +1.3% YoY	69%
CD Concentration	39.4% -3.6% YoY+3.9% QoQ	+10.5%	29.0% +0.7% YoY	22.3% +2.5% YoY	19.6% +6.2% YoY	Top 13.2% in tier
Indirect Auto %	25.5% +2.9% YoY-0.1% QoQ	+6.7%	18.8% -3.0% YoY	17.1% -8.4% YoY	7.9% -2.9% YoY	68%

Signature Analysis

Strengths (1)

Credit Quality Leader

growth

#23 of 95 • Top 23.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.23%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.02% points

(Tier: 0.07% points, National: 0.07% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | Rank improving

Concerns (6)

Stagnation Risk

risk

#29 of 85 • Bottom 11.7% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.46%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.48%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.23%

(Tier: 0.83%, National: 1.23%)

but better than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | Rank improving

Membership Headwinds

decline

#45 of 85 • Bottom 18.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.46%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY

Indirect Auto Dependency

risk

#131 of 202 • Bottom 21.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 1.29%

(Tier: 5.36%, National: 3.04%)

worse than tier avg

Indirect Auto %: 25.47%

(Tier: 18.77%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -2.46%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 CUs YoY

Institutional Decline

decline

#23 of 31 • Bottom 21.6% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $2.04B

(Tier: $2.17B, National: $547.69M)

worse than tier avg

Member Growth (YoY): -2.46%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -1.48%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

31 of 380 Mid-Market CUs have this signature | 293 nationally

↓ Shrinking -6 CUs YoY

Liquidity Strain

risk

#130 of 183 • Bottom 24.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 96.79%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): -1.48%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank worsening

Flatlined Growth

risk

#17 of 18 • Bottom 45.7% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 1.29%

(Tier: 5.36%, National: 3.04%)

worse than tier avg

Return on Assets: 0.62%

(Tier: 0.71%, National: 0.71%)

worse than tier avg

18 of 380 Mid-Market CUs have this signature | 82 nationally

→ Stable (18→18 CUs) | New qualifier

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)

Compare against:

Comparing against 304 peers in tier

Top Strengths (5 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.23%

Peer Avg: -

#18 of 304 Top 5.6% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 19.63%

Peer Avg: -

#50 of 304 Top 16.1% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 96.79%

Peer Avg: -

#59 of 304 Top 19.1% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.66B

Peer Avg: -

#64 of 304 Top 20.7% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,388

Peer Avg: -

#69 of 304 Top 22.4% in 1B-3B tier

Top Weaknesses (6 metrics)

271

Share Certificate Concentration (%)

balance_sheet

Value: 39.42%

Peer Avg: -

#271 of 304 Bottom 11.2% in 1B-3B tier

270

Deposit Growth Rate

growth

Value: -1.09%

Peer Avg: -

#270 of 304 Bottom 11.5% in 1B-3B tier

265

Fee Income Per Member

profitability

Value: $138.30

Peer Avg: -

#265 of 304 Bottom 13.2% in 1B-3B tier

261

Member Growth Rate

growth

Value: -2.46%

Peer Avg: -

#261 of 304 Bottom 14.5% in 1B-3B tier

252

Loan Growth Rate

growth

Value: -1.48%

Peer Avg: -

#252 of 304 Bottom 17.4% in 1B-3B tier

250

Members Per Employee (MPE)

engagement

Value: 290.374

Peer Avg: -

#250 of 304 Bottom 18.1% in 1B-3B tier