Horizon
Kingsport, TN · Charter 68138 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$60.2MAssets
$43.2MLoans
$53.8MShares
$7.2MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 86% of credit unions under $1B in assets (rank 242 of 1682).
- Widest gap: efficiency ratio trails 76% of credit unions under $1B in assets (rank 1277 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.69%
Rank 894 of 1,683
Net Interest Margin
4.14%
Rank 560 of 1,683
Efficiency Ratio
87.32%
Rank 1,277 of 1,682
Equity / Assets
11.89%
Rank 1,012 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.69% | 0.35% | 0.74% | 1.18% | Beats 47% | 894 / 1,683 | |
| Return on Equity | 5.81% | 2.67% | 5.89% | 8.74% | Beats 49% | 855 / 1,681 | |
| Net Interest Margin | 4.14% | 3.31% | 3.82% | 4.32% | Beats 67% | 560 / 1,683 | |
| Efficiency Ratio | 87.32% | 68.91% | 78.20% | 86.93% | Beats 24% | 1,277 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.11% | 0.26% | 0.65% | 1.29% | Beats 86% | 242 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.89% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,012 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.89% | 10.44% | 12.89% | 16.53% | Beats 40% | 1,012 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 80.25% | 52.61% | 69.38% | 83.50% | 70th pctl | 508 / 1,683 | |
| Loans / Assets | 71.73% | 44.71% | 59.18% | 70.72% | 77th pctl | 388 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |