BlastPoint's Credit Union Scorecard
HORIZON
Charter #68138 · TN
HORIZON has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.59% above tier average
- + Net Interest Margin 0.12% above tier average
- + Fee Income Per Member: Top 5.6% in tier
- + Loan-to-Member Ratio (LMR): Top 6.9% in tier
- + Total Loans: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.1% YoY
- - First Mortgage Concentration (%): Bottom 5.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,080
-3.1% YoY-0.6% QoQ
|
+1.4K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
80% |
| Assets |
$59.7M
-1.6% YoY-0.6% QoQ
|
+$29.5M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
83% |
| Loans |
$42.8M
+5.0% YoY+1.6% QoQ
|
+$27.5M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
Top 8.0% in tier |
| Deposits |
$53.0M
-2.4% YoY-1.8% QoQ
|
+$27.2M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
84% |
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| ROA |
0.7%
+53.4% YoY+19.7% QoQ
|
+0.6% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
57% |
| NIM |
4.1%
+10.3% YoY+4.1% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
64% |
| Efficiency Ratio |
86.5%
-4.2% YoY-2.3% QoQ
|
-4.1% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
62% |
| Delinquency Rate | 0.1% | -1.4 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
25% |
| Loan To Share |
80.7%
+7.6% YoY+3.4% QoQ
|
+22.2% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
82% |
| AMR |
$23,482
+3.9% YoY+0.2% QoQ
|
+$9K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
Top 11.3% in tier |
| CD Concentration |
25.9%
+1.2% YoY+4.6% QoQ
|
+1.7% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.8% | 7.7% | 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)