Horizon
Spokane Valley, WA · Charter 67264 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 30 branches
Q2 2026
$2.0BAssets
$1.6BLoans
$1.6BShares
$257.5MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 92% of credit unions $1B-$10B in assets (rank 36 of 435).
- Widest gap: return on equity trails 77% of credit unions $1B-$10B in assets (rank 333 of 435).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.64%
Rank 297 of 435
Net Interest Margin
3.68%
Rank 125 of 435
Efficiency Ratio
76.51%
Rank 307 of 435
Equity / Assets
13.08%
Rank 86 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.64% | 0.55% | 0.81% | 1.14% | Beats 32% | 297 / 435 | |
| Return on Equity | 4.89% | 5.12% | 7.41% | 9.70% | Beats 23% | 333 / 435 | |
| Net Interest Margin | 3.68% | 3.01% | 3.39% | 3.75% | Beats 71% | 125 / 435 | |
| Efficiency Ratio | 76.51% | 65.25% | 71.39% | 77.86% | Beats 30% | 307 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.45% | 0.69% | 1.05% | Beats 92% | 36 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.08% | 9.81% | 10.84% | 12.63% | Beats 80% | 86 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.08% | 9.81% | 10.84% | 12.63% | Beats 80% | 86 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 98.85% | 78.33% | 88.38% | 95.61% | 81st pctl | 81 / 435 | |
| Loans / Assets | 81.29% | 67.69% | 74.58% | 80.80% | 77th pctl | 98 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |