Financial Horizons
Hawthorne, NV · Charter 86755 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$313.0MAssets
$171.5MLoans
$280.2MShares
$40.6MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 88% of credit unions under $1B in assets (rank 204 of 1681).
- Widest gap: net interest margin trails 72% of credit unions under $1B in assets (rank 1208 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.43%
Rank 281 of 1,683
Net Interest Margin
3.39%
Rank 1,208 of 1,683
Efficiency Ratio
65.96%
Rank 326 of 1,682
Equity / Assets
12.98%
Rank 820 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.43% | 0.35% | 0.74% | 1.18% | Beats 83% | 281 / 1,683 | | |
| Return on Equity | 11.01% | 2.67% | 5.89% | 8.74% | Beats 88% | 204 / 1,681 | | |
| Net Interest Margin | 3.39% | 3.31% | 3.82% | 4.32% | Beats 28% | 1,208 / 1,683 | | |
| Efficiency Ratio | 65.96% | 68.91% | 78.20% | 86.93% | Beats 81% | 326 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.09% | 0.26% | 0.65% | 1.29% | Beats 87% | 218 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.98% | 10.44% | 12.89% | 16.53% | Beats 51% | 820 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.98% | 10.44% | 12.89% | 16.53% | Beats 51% | 820 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 61.20% | 52.61% | 69.38% | 83.50% | 36th pctl | 1,070 / 1,683 | | |
| Loans / Assets | 54.78% | 44.71% | 59.18% | 70.72% | 42nd pctl | 979 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |