PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Horizons North

Westminster, CO · Charter 68274

NCUA · 1 branch

Q2 2026

$136.2MAssets
$91.6MLoans
$125.1MShares
$11.3MNet Worth

Executive Summary

  • Earnings: ROA of 0.73%, up 13 bps year over year; NIM at 3.22%.
  • Asset quality: problem loans at 0.05% of loans (+3 bps YoY).
  • Capital: net worth / assets of 8.31%, up 14 bps from a year ago.
  • Funding: loans stand at 73.18% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.73%+13 bps YoY

Net Interest Margin (quarter, annualized)

3.22%-16 bps YoY

Efficiency Ratio (quarter, annualized)

82.57%-220 bps YoY

Net Worth / Assets

8.31%+14 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.08%0.18%0.54%0.60%0.66%0.71%0.66%0.73%+13 bps
Return on Equity0.98%2.18%6.69%7.29%8.02%8.49%8.07%8.74%+146 bps
Net Interest Margin3.35%3.26%3.30%3.38%3.41%3.38%3.21%3.22%-16 bps
Efficiency Ratio96.44%94.05%87.67%84.78%83.92%82.91%82.71%82.57%-220 bps
Growth
Asset Growth (YoY)-3.00%3.03%3.83%7.25%9.05%7.71%7.81%8.26%+101 bps
Loan Growth (YoY)-0.93%4.13%3.49%4.49%6.95%0.21%0.81%-0.69%-518 bps
Share Growth (YoY)-0.89%6.18%5.91%8.99%10.46%7.52%7.54%7.86%-114 bps
Asset Quality
Delinquent Loans / Loans0.02%0.01%0.03%0.02%0.01%0.03%0.06%0.05%+3 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital8.37%8.20%8.01%8.17%8.29%8.32%8.15%8.31%+14 bps
Net Worth / Assets8.37%8.20%8.01%8.17%8.29%8.32%8.15%8.31%+14 bps
Liquidity & Funding
Loans / Shares82.28%82.04%78.54%79.48%79.66%76.46%73.62%73.18%-630 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps