BlastPoint's Credit Union Scorecard
HORIZON
Charter #68138 · TN
HORIZON has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 6.7% in tier
- + Loan-to-Member Ratio (LMR): Top 7.4% in tier
- + Total Loans: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 5.96% above tier (higher cost structure)
- - Member decline: -3.5% YoY
- - First Mortgage Concentration (%): Bottom 5.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,103
-3.5% YoY-0.7% QoQ
|
+1.5K |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
80% |
| Assets |
$60.0M
+0.6% YoY+1.6% QoQ
|
+$29.9M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
83% |
| Loans |
$42.1M
+2.5% YoY+1.0% QoQ
|
+$26.4M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
Top 8.9% in tier |
| Deposits |
$54.0M
+0.9% YoY+2.7% QoQ
|
+$28.3M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
84% |
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| ROA |
0.6%
+89.7% YoY+4.0% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
4.0%
+12.7% YoY+2.0% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
53% |
| Efficiency Ratio |
88.5%
-5.1% YoY-0.1% QoQ
|
+6.0% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
72% |
| Delinquency Rate |
0.0%
-92.9% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
Top 12.9% in tier |
| Loan To Share |
78.0%
+1.6% YoY-1.7% QoQ
|
+17.4% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
76% |
| AMR |
$23,427
+5.3% YoY+2.7% QoQ
|
+$9K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
Top 11.2% in tier |
| CD Concentration |
24.8%
-2.4% YoY-3.2% QoQ
|
+0.4% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 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)