BlastPoint's Credit Union Scorecard
HORIZON
Charter #67264 · WA
HORIZON has 2 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does WA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.23% above tier average
- + Total Delinquency Rate (60+ days): Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Capital Constraint: Bottom 19.5% in tier
- - Liquidity Strain: Bottom 19.5% in tier
- - Credit Quality Pressure: Bottom 40.6% in tier
- - Institutional Decline: Bottom 46.1% in tier
- - Membership Headwinds: Bottom 93.5% in tier
- - Stagnation Risk: Bottom 93.5% in tier
- - Indirect Auto Dependency: Bottom 97.0% in tier
- - ROA 0.18% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 9 that size in Washington.
- Shares and deposits -4.3% year over year ($1.62B in shares and deposits).
- Membership: 104,357 members, -4.1% vs a year ago.
- Delinquency rate 0.27%.
- Return on assets 0.63%.
- Efficiency ratio 76.50% vs a 73.02% peer average.
- Loan-to-share ratio 98.85% vs a 84.71% 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 (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
104,357
-4.1% YoY-1.0% QoQ
|
+7.5K |
96,861
-1.9% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
65% |
| Assets |
$2.0B
-2.3% YoY-1.6% QoQ
|
+$245.1M |
$1.7B
+0.4% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
67% |
| Loans |
$1.6B
-4.8% YoY-0.6% QoQ
|
+$366.7M |
$1.2B
+0.7% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
79% |
| Deposits |
$1.6B
-4.3% YoY-3.5% QoQ
|
+$156.1M |
$1.5B
+0.5% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
65% |
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| ROA |
0.6%
+21.0% YoY+16.1% QoQ
|
-0.2% |
0.8%
+27.6% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
37% |
| NIM |
3.7%
+5.5% YoY+2.1% QoQ
|
+0.2% |
3.4%
+6.6% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
65% |
| Efficiency Ratio |
76.5%
-1.8% YoY-0.4% QoQ
|
+3.5% |
73.0%
-2.7% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
64% |
| Delinquency Rate |
0.3%
+33.4% YoY+94.3% QoQ
|
-0.6 |
0.9%
+7.3% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
Top 8.0% in tier |
| Loan To Share |
98.9%
-0.6% YoY+3.0% QoQ
|
+14.1% |
84.7%
+0.1% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
83% |
| AMR |
$30,859
-0.5% YoY-1.1% QoQ
|
+$1K |
$29,575
+1.5% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
64% |
| CD Concentration |
36.5%
-3.9% YoY-3.0% QoQ
|
+7.4% | 29.1% | 22.7% | 20.0% | 81% |
| Indirect Auto % |
25.0%
-2.0% YoY-1.0% QoQ
|
+6.9% | 18.1% | 16.0% | 7.7% | 69% |
Signature Analysis
Strengths (0)
Concerns (7)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)