Horizon
Williamsport, PA · Charter 10687 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 7 branches
Q2 2026
$152.4MAssets
$92.3MLoans
$137.6MShares
$13.7MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 72% of credit unions under $1B in assets in PA (rank 20 of 72).
- Widest gap: return on equity trails 99% of credit unions under $1B in assets in PA (rank 71 of 72).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
-0.22%
Rank 71 of 72
Net Interest Margin
4.07%
Rank 20 of 72
Efficiency Ratio
95.05%
Rank 71 of 72
Equity / Assets
9.01%
Rank 66 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.22% | 0.59% | 1.06% | 1.40% | Beats 1% | 71 / 72 | |
| Return on Equity | -2.40% | 5.27% | 7.11% | 9.91% | Beats 1% | 71 / 72 | |
| Net Interest Margin | 4.07% | 3.09% | 3.57% | 4.10% | Beats 72% | 20 / 72 | |
| Efficiency Ratio | 95.05% | 64.37% | 73.67% | 81.63% | Beats 3% | 71 / 72 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.32% | 0.20% | 0.58% | 1.09% | Beats 4% | 70 / 72 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.01% | 10.74% | 12.96% | 16.84% | Beats 8% | 66 / 72 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.01% | 10.74% | 12.96% | 16.84% | Beats 8% | 66 / 72 | |
| Liquidity & Funding |
| Loans / Deposits | 67.12% | 34.39% | 52.54% | 65.98% | 78th pctl | 16 / 72 | |
| Loans / Assets | 60.58% | 30.23% | 45.37% | 57.67% | 83rd pctl | 12 / 72 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |