Horizon
Macon, MO · Charter 63844 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$58.8MAssets
$36.3MLoans
$51.3MShares
$7.0MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 63% of credit unions under $1B in assets (rank 625 of 1683).
- Widest gap: return on assets trails 76% of credit unions under $1B in assets (rank 1274 of 1683).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.34%
Rank 1,274 of 1,683
Net Interest Margin
4.05%
Rank 625 of 1,683
Efficiency Ratio
86.06%
Rank 1,226 of 1,682
Equity / Assets
11.83%
Rank 1,023 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.34% | 0.35% | 0.74% | 1.18% | Beats 24% | 1,274 / 1,683 | |
| Return on Equity | 2.91% | 2.67% | 5.89% | 8.74% | Beats 27% | 1,226 / 1,681 | |
| Net Interest Margin | 4.05% | 3.31% | 3.82% | 4.32% | Beats 63% | 625 / 1,683 | |
| Efficiency Ratio | 86.06% | 68.91% | 78.20% | 86.93% | Beats 27% | 1,226 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.84% | 0.26% | 0.65% | 1.29% | Beats 41% | 987 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.83% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,023 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.83% | 10.44% | 12.89% | 16.53% | Beats 39% | 1,023 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 70.83% | 52.61% | 69.38% | 83.50% | 53rd pctl | 796 / 1,683 | |
| Loans / Assets | 61.80% | 44.71% | 59.18% | 70.72% | 56th pctl | 738 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |