BlastPoint's Credit Union Scorecard

HORIZON

Charter #67264 · WA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 8 in WA

View Mid-Market leaderboard →

HORIZON has 2 strengths but faces 8 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

+ Net Interest Margin 0.22% above tier average
+ Total Delinquency Rate (60+ days): Top 3.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 19.3% in tier
- Institutional Decline: Bottom 46.0% in tier
- Credit Quality Pressure: Bottom 55.3% in tier
- Indirect Auto Dependency: Bottom 86.6% in tier
- Membership Headwinds: Bottom 90.8% in tier
- Stagnation Risk: Bottom 90.8% in tier
- ROA 0.17% below tier average
- Efficiency ratio 2.15% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	105,370 -3.5% YoY-1.2% QoQ	+9.3K	96,048 -2.7% YoY	67,148 +4.0% YoY	33,913 +5.7% YoY	67%
Assets	$2.0B +0.4% YoY-1.5% QoQ	+$282.5M	$1.7B +0.4% YoY	$1.3B +6.8% YoY	$578.3M +9.0% YoY	68%
Loans	$1.6B -4.2% YoY-1.6% QoQ	+$397.4M	$1.2B +0.2% YoY	$931.6M +6.7% YoY	$402.4M +8.7% YoY	78%
Deposits	$1.7B +0.0% YoY-0.6% QoQ	+$212.5M	$1.5B +0.5% YoY	$1.1B +7.7% YoY	$494.3M +9.1% YoY	68%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% +30.4% YoY-14.0% QoQ	-0.2%	0.7% +27.6% YoY	0.5% +1.1% YoY	0.4% -39.2% YoY	38%
NIM	3.6% +5.2% YoY+1.9% QoQ	+0.2%	3.4% +6.2% YoY	3.7% +3.5% YoY	3.8% +4.1% YoY	65%
Efficiency Ratio	76.8% -2.6% YoY+0.5% QoQ	+2.2%	74.6% -3.0% YoY	78.0% -0.9% YoY	84.6% +2.8% YoY	58%
Delinquency Rate	0.1% +11.0% YoY-40.8% QoQ	-0.6	0.8% +6.9% YoY	0.9% +10.5% YoY	1.2% +3.4% YoY	Top 3.9% in tier
Loan To Share	96.0% -4.2% YoY-1.0% QoQ	+12.8%	83.2% -0.4% YoY	74.8% -1.7% YoY	65.6% -1.4% YoY	84%
AMR	$31,216 +1.5% YoY+0.1% QoQ	+$2K	$29,652 +2.3% YoY	$29,247 +2.9% YoY	$19,920 +1.6% YoY	66%
CD Concentration	37.6% +0.4% YoY-4.1% QoQ	+8.8%	28.8%	22.5%	19.8%	84%
Indirect Auto %	25.2% -1.4% YoY-0.4% QoQ	+7.2%	18.1%	16.1%	7.7%	70%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Membership Headwinds

decline

#36 of 91 • Bottom 90.8% in tier

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

Why This Signature

Member Growth (YoY): -3.52%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Stagnation Risk

risk

#39 of 91 • Bottom 90.8% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.52%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -4.18%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.14%

(Tier: 0.75%, National: 1.19%)

but better than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Institutional Decline

decline

#16 of 31 • Bottom 46.0% in tier

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

Why This Signature

Total Assets: $2.00B

(Tier: $2.16B, National: $578.34M)

worse than tier avg

Member Growth (YoY): -3.52%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -4.18%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

31 of 384 Mid-Market CUs have this signature | 289 nationally

→ No prior data (31 CUs now) | New qualifier

Indirect Auto Dependency

risk

#143 of 198 • Bottom 86.6% in tier

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

Why This Signature

Asset Growth (YoY): 0.43%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 25.24%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -3.52%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Liquidity Strain

risk

#108 of 148 • Bottom 19.3% in tier

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

Why This Signature

Loan-to-Share Ratio: 96.01%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -4.18%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#210 of 225 • Bottom 55.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | 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 306 peers in tier

Top Strengths (6 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.14%

Peer Median: 0.63%

#13 of 306 Top 3.9% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 96.01%

Peer Median: 85.31%

#50 of 306 Top 16.0% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 19.94%

Peer Median: 33.05%

#51 of 306 Top 16.3% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.61B

Peer Median: $1.11B

#67 of 306 Top 21.6% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,290

Peer Median: $12,733

#71 of 306 Top 22.9% in 1B-3B tier

Net Worth Ratio

risk

Value: 12.68%

Peer Median: 10.85%

#73 of 306 Top 23.5% in 1B-3B tier

Top Weaknesses (7 metrics)

285

Loan Growth Rate

growth

Value: -4.18%

Peer Median: 5.67%

#285 of 306 Bottom 7.2% in 1B-3B tier

275

Member Growth Rate

growth

Value: -3.52%

Peer Median: 2.03%

#275 of 306 Bottom 10.5% in 1B-3B tier

269

Fee Income Per Member

profitability

Value: $127.67

Peer Median: $191.54

#269 of 306 Bottom 12.4% in 1B-3B tier

267

Deposit Growth Rate

growth

Value: 0.01%

Peer Median: 4.44%

#267 of 306 Bottom 13.1% in 1B-3B tier

266

Share Certificate Concentration (%)

balance_sheet

Value: 37.60%

Peer Median: 27.93%

#266 of 306 Bottom 13.4% in 1B-3B tier

263

Asset Growth Rate

growth

Value: 0.43%

Peer Median: 4.82%

#263 of 306 Bottom 14.4% in 1B-3B tier

253

Members Per Employee (MPE)

engagement

Value: 281.738

Peer Median: 345.077

#253 of 306 Bottom 17.6% in 1B-3B tier