BlastPoint's Credit Union Scorecard

HORIZONS NORTH

Charter #68274 · CO

1069 CUs in 100M-500M nationally 26 in CO

HORIZONS NORTH has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 37.8% in tier
+ Wallet Share Momentum: Top 76.6% in tier
+ Total Delinquency Rate (60+ days): Top 1.6% in tier
+ Net Charge-Off Rate: Top 2.4% in tier
+ First Mortgage Concentration (%): Top 9.3% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 62.9% in tier
- Efficiency Drag: Bottom 80.5% in tier
- Stagnation Risk: Bottom 81.2% in tier
- Credit Quality Pressure: Bottom 92.9% in tier
- ROA 0.05% below tier average
- Efficiency ratio 5.89% above tier (higher cost structure)
- Net Worth Ratio: Bottom 6.4% in tier
- Total Members: Bottom 9.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	6,717 -2.0% YoY-2.1% QoQ	-8.7K	15,437 -2.9% YoY	37,842 +7.2% YoY	33,374 +5.7% YoY	Bottom 9.2% in tier
Assets	$130.0M +7.7% YoY+2.3% QoQ	$-101.8M	$231.9M +1.3% YoY	$688.6M +9.4% YoY	$561.6M +9.7% YoY	20%
Loans	$91.3M +0.2% YoY-2.1% QoQ	$-56.1M	$147.3M -0.1% YoY	$531.4M +7.9% YoY	$397.0M +8.8% YoY	30%
Deposits	$119.4M +7.5% YoY+2.0% QoQ	$-81.4M	$200.8M +0.8% YoY	$583.2M +9.5% YoY	$477.3M +9.7% YoY	25%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% +293.3% YoY+7.0% QoQ	-0.0%	0.8% +18.2% YoY	0.4% -10.6% YoY	0.7% +15.9% YoY	46%
NIM	3.4% +3.3% YoY-0.2% QoQ	-0.2%	3.6% +6.7% YoY	3.5% +1.6% YoY	3.8% +5.1% YoY	38%
Efficiency Ratio	82.9% -11.8% YoY-1.2% QoQ	+5.9%	77.0% -3.1% YoY	82.6% +1.3% YoY	79.7% -3.3% YoY	71%
Delinquency Rate	0.0% +442.4% YoY+418.7% QoQ	-0.9	0.9% +4.2% YoY	1.0% +15.7% YoY	1.3% -2.1% YoY	Bottom 1.6% in tier
Loan To Share	76.5% -6.8% YoY-4.0% QoQ	+4.2%	72.2% -1.1% YoY	72.0% -2.4% YoY	67.4% -1.7% YoY	54%
AMR	$31,365 +6.3% YoY+2.3% QoQ	+$7K	$24,676 +3.4% YoY	$23,202 +4.3% YoY	$19,687 +2.0% YoY	85%
CD Concentration	28.7% +6.2% YoY+3.3% QoQ	+4.3%	24.4%	26.2%	19.8%	50%
Indirect Auto %	11.5% -9.1% YoY-3.5% QoQ	-2.3%	13.8%	12.2%	7.8%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#102 of 268 • Top 37.8% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 6.30%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $4.5K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#393 of 513 • Top 76.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.30%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (4)

Membership Headwinds

decline

#349 of 554 • Bottom 62.9% in tier

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

Why This Signature

Member Growth (YoY): -1.96%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Efficiency Drag

risk

#433 of 538 • Bottom 80.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 82.91%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.53% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -1.96%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Stagnation Risk

risk

#450 of 554 • Bottom 81.2% 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): -1.96%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 0.21%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.03%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk

#655 of 705 • Bottom 92.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.03% points, National: 0.06% points)

but better than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 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 1069 peers in tier

Top Strengths (6 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.03%

Peer Median: -

#18 of 1069 Top 1.6% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.01%

Peer Median: -

#27 of 1069 Top 2.4% in 100M-500M tier

100

First Mortgage Concentration (%)

balance_sheet

Value: 7.72%

Peer Median: -

#100 of 1069 Top 9.3% in 100M-500M tier

161

Average Member Relationship (AMR)

engagement

Value: $31,365

Peer Median: -

#161 of 1069 Top 15.0% in 100M-500M tier

171

Loan-to-Member Ratio (LMR)

engagement

Value: $13,590

Peer Median: -

#171 of 1069 Top 15.9% in 100M-500M tier

248

Deposit Growth Rate

growth

Value: 7.52%

Peer Median: -

#248 of 1069 Top 23.1% in 100M-500M tier

Top Weaknesses (4 metrics)

1002

Net Worth Ratio

risk

Value: 8.32%

Peer Median: -

#1002 of 1069 Bottom 6.4% in 100M-500M tier

971

Total Members

engagement

Value: 6,717

Peer Median: -

#971 of 1069 Bottom 9.3% in 100M-500M tier

853

Total Assets

balance_sheet

Value: $130.04M

Peer Median: -

#853 of 1069 Bottom 20.3% in 100M-500M tier

803

Total Deposits

balance_sheet

Value: $119.39M

Peer Median: -

#803 of 1069 Bottom 25.0% in 100M-500M tier