BlastPoint's Credit Union Scorecard
HORIZONS NORTH
Charter #68274 · CO
HORIZONS NORTH has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Charge-Off Rate: Top 1.6% in tier
- + Total Delinquency Rate (60+ days): Top 2.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - ROA 0.14% below tier average
- - Efficiency ratio 5.84% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 4.9% in tier
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 26 that size in Colorado.
- Shares and deposits +7.9% year over year ($125M in shares and deposits).
- Membership: 6,755 members, -1.5% vs a year ago.
- Delinquency rate 0.05%.
- Return on assets 0.73%.
- Efficiency ratio 82.57% vs a 76.73% peer average.
- Loan-to-share ratio 73.18% vs a 71.54% 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 (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,755
-1.5% YoY+0.6% QoQ
|
-8.4K |
15,168
-2.6% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
Bottom 10.4% in tier |
| Assets |
$136.2M
+8.3% YoY+0.4% QoQ
|
$-95.8M |
$232.0M
+0.7% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
23% |
| Loans |
$91.6M
-0.7% YoY-0.2% QoQ
|
$-54.7M |
$146.3M
+0.2% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
30% |
| Deposits |
$125.1M
+7.9% YoY+0.4% QoQ
|
$-75.6M |
$200.7M
+0.2% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
28% |
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| ROA |
0.7%
+22.3% YoY+10.8% QoQ
|
-0.1% |
0.9%
+12.5% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
48% |
| NIM |
3.2%
-4.4% YoY+0.5% QoQ
|
-0.5% |
3.7%
+4.5% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
23% |
| Efficiency Ratio |
82.6%
-2.6% YoY-0.2% QoQ
|
+5.8% |
76.7%
-0.8% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
67% |
| Delinquency Rate |
0.0%
-20.2% QoQ
|
-0.8 |
0.9%
+6.6% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
Top 2.5% in tier |
| Loan To Share |
73.2%
-7.9% YoY-0.6% QoQ
|
+1.6% |
71.5%
-0.3% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
50% |
| AMR |
$32,079
+5.7% YoY-0.4% QoQ
|
+$7K |
$25,107
+3.2% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
85% |
| CD Concentration |
26.2%
-7.5% YoY-2.1% QoQ
|
+1.6% | 24.6% | 27.0% | 20.0% | 50% |
| Indirect Auto % |
12.1%
-2.7% YoY+5.9% QoQ
|
-1.6% | 13.6% | 12.3% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)