PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Horizon

Kingsport, TN · Charter 68138

NCUA · 4 branches

Q2 2026

$60.2MAssets
$43.2MLoans
$53.8MShares
$7.2MNet 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 0.69%, up 15 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 0.11% of loans (-23 bps YoY).
  • Capital: net worth / assets of 11.89%, up 70 bps from a year ago.
  • Funding: loans stand at 80.25% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.69%+15 bps YoY

Net Interest Margin (quarter, annualized)

4.14%+38 bps YoY

Efficiency Ratio (quarter, annualized)

87.31%-190 bps YoY

Net Worth / Assets

11.89%+70 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.54%0.60%0.61%0.74%0.69%+15 bps
Return on Equity4.83%5.13%5.27%6.22%5.82%+99 bps
Net Interest Margin3.76%3.94%3.93%4.13%4.14%+38 bps
Efficiency Ratio89.21%88.62%88.52%86.49%87.31%-190 bps
Growth
Asset Growth (YoY)0.82%-0.94%0.63%-1.60%-0.99%-181 bps
Loan Growth (YoY)-0.77%1.59%2.52%4.98%6.50%+727 bps
Share Growth (YoY)0.75%-1.54%0.92%-2.40%-0.89%-164 bps
Asset Quality
Delinquent Loans / Loans0.34%0.13%0.01%0.14%0.11%-23 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 Capital11.18%11.67%11.57%11.82%11.89%+70 bps
Net Worth / Assets11.18%11.67%11.57%11.82%11.89%+70 bps
Liquidity & Funding
Loans / Shares74.68%79.41%78.02%80.70%80.25%+557 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps