BlastPoint's Credit Union Scorecard
HORIZON
Charter #67264 · WA
HORIZON has 2 strengths but faces 11 concerns
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How does WA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.24% above tier average
- + Total Delinquency Rate (60+ days): Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 40.5% in tier
- - Stagnation Risk: Bottom 44.0% in tier
- - Institutional Decline: Bottom 48.3% in tier
- - Indirect Auto Dependency: Bottom 74.4% in tier
- - Liquidity Strain: Bottom 76.4% in tier
- - Flatlined Growth: Bottom 90.9% in tier
- - Credit Quality Pressure: Bottom 96.7% in tier
- - ROA 0.05% below tier average
- - Efficiency ratio 2.32% above tier (higher cost structure)
- - Member decline: -3.3% YoY
- - Loan Growth Rate: Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
106,635
-3.3% YoY-1.3% QoQ
|
+9.2K |
97,431
-2.4% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
66% |
| Assets |
$2.0B
+1.1% YoY-0.2% QoQ
|
+$309.3M |
$1.7B
+0.9% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
69% |
| Loans |
$1.6B
-3.6% YoY-1.5% QoQ
|
+$402.7M |
$1.2B
+0.5% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
78% |
| Deposits |
$1.7B
-0.6% YoY-1.7% QoQ
|
+$229.0M |
$1.5B
+0.9% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
69% |
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| ROA |
0.6%
+211.9% YoY+2.0% QoQ
|
-0.0% |
0.7%
+20.9% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
49% |
| NIM |
3.5%
+5.7% YoY+0.8% QoQ
|
+0.2% |
3.3%
+9.2% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
65% |
| Efficiency Ratio |
76.4%
-8.0% YoY-0.5% QoQ
|
+2.3% |
74.1%
-9.5% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
59% |
| Delinquency Rate |
0.2%
+6.7% YoY+2.7% QoQ
|
-0.7 |
0.9%
+6.2% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
Bottom 7.3% in tier |
| Loan To Share |
97.0%
-3.1% YoY+0.2% QoQ
|
+12.2% |
84.8%
-0.8% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
80% |
| AMR |
$31,186
+1.2% YoY-0.3% QoQ
|
+$2K |
$29,428
+2.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
67% |
| CD Concentration |
39.2%
-0.2% YoY-0.6% QoQ
|
+10.2% | 29.0% | 22.5% | 19.8% | Top 13.0% in tier |
| Indirect Auto % |
25.3%
-2.4% YoY-0.5% QoQ
|
+7.0% | 18.3% | 16.8% | 7.8% | 69% |
Signature Analysis
Strengths (0)
Concerns (7)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)