FINANCIAL HORIZONS

Charter #86755 | NV

100M-500M (1077 CUs) Micro
6 100M-500M in NV

FINANCIAL HORIZONS has 7 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 8.4% in tier
  • + Organic Growth Engine: Top 14.2% in tier
  • + Wallet Share Momentum: Top 24.4% in tier
  • + ROA 0.10% above tier average
  • + Total Delinquency Rate (60+ days): Top 2.8% in tier
  • + Loan Growth Rate: Top 3.2% in tier
  • + Member Growth Rate: Top 9.8% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 14.3% in tier
  • - Liquidity Overhang: Bottom 22.6% in tier
  • - Indirect Auto Concentration (%): Bottom 7.1% in tier
  • - Fee Income Per Member: Bottom 8.3% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Members 14,306
+4.8% YoY+1.9% QoQ
 -1.3K 15,628
-3.4% YoY
 31,753
+2.4% YoY
 33,089
+6.1% YoY
 54th in tier
Assets $302.1M
+3.4% YoY-0.2% QoQ
 +$70.8M $231.3M
-0.0% YoY
 $652.3M
+3.7% YoY
 $547.7M
+7.8% YoY
 73rd in tier
Loans $169.8M
+20.9% YoY+5.2% QoQ
 +$22.0M $147.8M
-1.4% YoY
 $403.3M
+6.9% YoY
 $388.7M
+8.6% YoY
 67th in tier
Deposits $272.1M
+1.7% YoY-1.4% QoQ
 +$71.8M $200.3M
-0.0% YoY
 $580.1M
+3.6% YoY
 $464.6M
+9.3% YoY
 Top 24.0% in tier
ROA 0.9%
+7.4% YoY+51.0% QoQ
 +0.1% 0.8%
+15.5% YoY
 1.0%
-0.0% YoY
 0.7%
+273.4% YoY
 58th in tier
NIM 3.3%
+10.4% YoY+2.7% QoQ
 -0.3% 3.6%
+6.9% YoY
 3.3%
+3.9% YoY
 3.7%
+5.0% YoY
 31st in tier
Efficiency Ratio 73.2%
-1.1% YoY-8.1% QoQ
 -4.1% 77.3%
-3.0% YoY
 67.2%
-0.6% YoY
 79.1%
-3.3% YoY
 35th in tier
Delinquency Rate 0.1%
-79.3% YoY+62.5% QoQ
 -0.8 0.9%
+7.6% YoY
 0.9%
+2.2% YoY
 1.2%
-0.9% YoY
 Bottom 2.8% in tier
Loan To Share 62.4%
+18.9% YoY+6.7% QoQ
 -10.3% 72.7%
-1.5% YoY
 63.1%
+0.5% YoY
 68.0%
-1.7% YoY
 27th in tier
AMR $30,889
+3.3% YoY-0.9% QoQ
 +$7K $24,363
+2.9% YoY
 $28,845
+4.1% YoY
 $19,418
+1.3% YoY
 Top 14.5% in tier
CD Concentration 18.6%
+12.2% YoY+14.5% QoQ
 -5.8% 24.4%
+4.2% YoY
 18.3%
+6.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 42.8%
+13.5% YoY+7.6% QoQ
 +28.8% 14.0%
-5.8% YoY
 22.8%
-3.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth
#232 of 1006 • Top 8.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.29%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $5.7K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Engine

growth
#262 of 603 • Top 14.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.84%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.88%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 42.75%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Wallet Share Momentum

growth
#673 of 1006 • Top 24.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.29%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (2)

Indirect Auto Dependency

risk
#230 of 525 • Bottom 14.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 3.40%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 42.75%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.84%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Liquidity Overhang

risk
#350 of 552 • Bottom 22.6% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.38%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 62.41%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 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)

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

31
Total Delinquency Rate (60+ days)
risk
Value: 0.06%
Peer Avg: 0.86%
#31 of 1077 Top 2.8% in 100M-500M tier
36
Loan Growth Rate
growth
Value: 20.87%
Peer Avg: 3.45%
#36 of 1077 Top 3.2% in 100M-500M tier
107
Member Growth Rate
growth
Value: 4.84%
Peer Avg: 0.72%
#107 of 1077 Top 9.8% in 100M-500M tier
156
Average Member Relationship (AMR)
engagement
Value: $30,889
Peer Avg: $24,363
#156 of 1077 Top 14.4% in 100M-500M tier
259
Total Deposits
balance_sheet
Value: $272.09M
Peer Avg: $200.29M
#259 of 1077 Top 24.0% in 100M-500M tier
269
Net Charge-Off Rate
risk
Value: 0.16%
Peer Avg: 0.47%
#269 of 1077 Top 24.9% in 100M-500M tier

Top Weaknesses (2 metrics)

1001
Indirect Auto Concentration (%)
balance_sheet
Value: 42.75%
Peer Avg: 13.34%
#1001 of 1077 Bottom 7.1% in 100M-500M tier
989
Fee Income Per Member
profitability
Value: $82.40
Peer Avg: $174.31
#989 of 1077 Bottom 8.3% in 100M-500M tier