PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Horizon

Macon, MO · Charter 63844

NCUA · 2 branches

Q2 2026

$58.8MAssets
$36.3MLoans
$51.3MShares
$7.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.34%, down 39 bps year over year; NIM at 4.05%.
  • Asset quality: problem loans at 0.84% of loans (+11 bps YoY).
  • Capital: net worth / assets of 11.83%, up 43 bps from a year ago.
  • Funding: loans stand at 70.83% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.34%-39 bps YoY

Net Interest Margin (quarter, annualized)

4.05%+11 bps YoY

Efficiency Ratio (quarter, annualized)

86.06%+581 bps YoY

Net Worth / Assets

11.83%+43 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.86%0.84%0.28%0.34%-39 bps
Return on Equity6.44%7.34%6.97%2.37%2.91%-353 bps
Net Interest Margin3.95%4.07%4.12%4.07%4.05%+11 bps
Efficiency Ratio80.25%78.67%79.14%84.46%86.06%+581 bps
Growth
Asset Growth (YoY)1.24%1.58%-2.25%-3.13%1.75%+51 bps
Loan Growth (YoY)-3.19%-5.64%-6.27%-6.77%-6.18%-300 bps
Share Growth (YoY)0.68%1.51%-3.75%-3.91%0.69%+1 bps
Asset Quality
Delinquent Loans / Loans0.73%0.69%0.69%1.08%0.84%+11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.40%11.74%11.98%11.99%11.83%+43 bps
Net Worth / Assets11.40%11.74%11.98%11.99%11.83%+43 bps
Liquidity & Funding
Loans / Shares76.02%75.55%74.15%72.18%70.83%-519 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps