BlastPoint's Credit Union Scorecard

HORIZONS NORTH

Charter #68274 · CO

1077 CUs in 100M-500M nationally 26 in CO

HORIZONS NORTH has 6 strengths but faces 5 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

+ Credit Quality Leader: Top 1.5% in tier
+ Relationship Depth Leader: Top 14.8% in tier
+ Wallet Share Momentum: Top 32.1% in tier
+ Total Delinquency Rate (60+ days): Top 0.5% in tier
+ Net Charge-Off Rate: Top 2.9% in tier
+ First Mortgage Concentration (%): Top 9.8% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 17.5% in tier
- ROA 0.12% below tier average
- Efficiency ratio 6.64% above tier (higher cost structure)
- Net Worth Ratio: Bottom 6.1% in tier
- Total Members: Bottom 9.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	6,858 -0.2% YoY-0.0% QoQ	-8.8K	15,628 -3.4% YoY	38,063 +8.0% YoY	33,089 +6.1% YoY	Bottom 9.3% in tier
Assets	$127.1M +9.0% YoY+1.0% QoQ	$-104.2M	$231.3M -0.0% YoY	$678.0M +7.3% YoY	$547.7M +7.8% YoY	19%
Loans	$93.2M +6.9% YoY+1.1% QoQ	$-54.6M	$147.8M -1.4% YoY	$529.4M +8.0% YoY	$388.7M +8.6% YoY	31%
Deposits	$117.0M +10.5% YoY+0.9% QoQ	$-83.3M	$200.3M -0.0% YoY	$571.8M +9.1% YoY	$464.6M +9.3% YoY	23%

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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% +717.0% YoY+12.2% QoQ	-0.1%	0.8% +15.5% YoY	0.5% +8.5% YoY	0.7% +273.4% YoY	44%
NIM	3.4% +2.8% YoY+1.5% QoQ	-0.2%	3.6% +6.9% YoY	3.6% +3.7% YoY	3.7% +5.0% YoY	40%
Efficiency Ratio	83.9% -13.0% YoY-1.0% QoQ	+6.6%	77.3% -3.0% YoY	80.6% -2.6% YoY	79.1% -3.3% YoY	74%
Delinquency Rate	0.0% -63.4% YoY-70.9% QoQ	-0.9	0.9% +7.6% YoY	0.9% +6.2% YoY	1.2% -0.9% YoY	Bottom 0.5% in tier
Loan To Share	79.7% -3.2% YoY+0.2% QoQ	+7.0%	72.7% -1.5% YoY	72.9% -3.4% YoY	68.0% -1.7% YoY	62%
AMR	$30,658 +9.1% YoY+1.0% QoQ	+$6K	$24,363 +2.9% YoY	$22,866 +4.1% YoY	$19,418 +1.3% YoY	Top 15.0% in tier
CD Concentration	27.8% +20.6% YoY-1.6% QoQ	+3.4%	24.4% +4.2% YoY	26.3% +7.3% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	11.9% -7.3% YoY-4.1% QoQ	-2.1%	14.0% -5.7% YoY	12.4% -8.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Credit Quality Leader

growth

#6 of 340 • Top 1.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.01%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.01% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank improving

Relationship Depth Leader

growth

#39 of 257 • Top 14.8% 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): 9.13%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $4.3K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank improving

Wallet Share Momentum

growth

#155 of 481 • Top 32.1% in tier

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

Why This Signature

AMR Growth (YoY): 9.13%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (1)

Efficiency Drag

risk

#310 of 521 • Bottom 17.5% in tier

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

Why This Signature

Efficiency Ratio: 83.92%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.59% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -0.23%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank worsening

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 1077 peers in tier

Top Strengths (8 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.01%

Peer Avg: -

#6 of 1077 Top 0.5% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.01%

Peer Avg: -

#32 of 1077 Top 2.9% in 100M-500M tier

107

First Mortgage Concentration (%)

balance_sheet

Value: 7.71%

Peer Avg: -

#107 of 1077 Top 9.8% in 100M-500M tier

109

Deposit Growth Rate

growth

Value: 10.46%

Peer Avg: -

#109 of 1077 Top 10.0% in 100M-500M tier

123

AMR Growth Rate

growth

Value: 9.13%

Peer Avg: -

#123 of 1077 Top 11.3% in 100M-500M tier

159

Loan-to-Member Ratio (LMR)

engagement

Value: $13,594

Peer Avg: -

#159 of 1077 Top 14.7% in 100M-500M tier

162

Average Member Relationship (AMR)

engagement

Value: $30,658

Peer Avg: -

#162 of 1077 Top 14.9% in 100M-500M tier

164

Asset Growth Rate

growth

Value: 9.05%

Peer Avg: -

#164 of 1077 Top 15.1% in 100M-500M tier

Top Weaknesses (4 metrics)

1012

Net Worth Ratio

risk

Value: 8.29%

Peer Avg: -

#1012 of 1077 Bottom 6.1% in 100M-500M tier

977

Total Members

engagement

Value: 6,858

Peer Avg: -

#977 of 1077 Bottom 9.4% in 100M-500M tier

876

Total Assets

balance_sheet

Value: $127.10M

Peer Avg: -

#876 of 1077 Bottom 18.8% in 100M-500M tier

825

Total Deposits

balance_sheet

Value: $117.03M

Peer Avg: -

#825 of 1077 Bottom 23.5% in 100M-500M tier