Federal credit union · HAWTHORNE, Nevada · NCUA charter #86755
Financial Horizons
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $307.0M
- Total assets
- 14,399
- Members
- 12.6%
- Net-worth ratio
Financial Horizons scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $307.0M; members 14,399; net-worth ratio 12.61%; health rank #99 of 4,374; healthier than 97th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#99 of 4,374 health · 2025Q4Financial Horizons · health 98/100 · $307.0M · 2025Q4
Call Report peers
Financial Horizons in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Financial Horizons vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Financial Horizons sits in 95-99 with 391 others.
98 Top 3% higher than 97% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Financial Horizons: Call Report deltas vs peers
- Largest favorable gap: Delinquency Rate at 0.04% vs peer 0.89% (-0.86 pp).
- Largest lag: Loan-to-Share Ratio at 62.22% vs peer 72.20% (-9.98 pp).
Nevada standing for Financial Horizons
- In Nevada, health place is #3 of 13 on the same NCUA-ratio sort used nationally.
- By total assets, Financial Horizons is #8 of 13 in Nevada.
- Nevada membership ordinal: #9 of 13.
- One place up in Nevada, ELKO (#2) scores 99/100, 1 point higher; one place down, Great Basin (#4) scores 96/100, 2 points lower.
Quarter path for Financial Horizons
Financial Horizons: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $307.0M (2025Q4) to $314.1M (2026Q1).
- Net-worth ratio shifted +0.10 pp (12.51% → 12.61%).
This credit union's 12.61% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 98/100 score is built
Financial Horizons gives up 2 points in total. Loan-to-Share Ratio costs the most, 1.7 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.61% | +0.50 pp |
| Delinquency Rate | 0.04% | -0.86 pp |
| Return on Assets | 0.65% | +0.03 pp |
| Member Growth | 5.65% | - |
| Loan-to-Share Ratio | 62.22% | -9.98 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Call Report history - Financial Horizons
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $314.1M | - |
| 2025Q4 | $307.0M | 14,399 |
| 2024Q4 | $293.2M | 13,629 |
| 2023Q4 | $282.5M | 13,342 |
Credit Union Details
- Charter Number
- 86755
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Nevada
- City
- HAWTHORNE
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for Financial Horizons, spread across 4 cities.
| Office | City |
|---|---|
| Financial Horizons Credit Union (Main Office) | Hawthorne, NV |
| Financial Horizons CU | Fallon, NV |
| Financial Horizons CU | Winnemucca, NV |
| Financial Horizons CU | Yerington, NV |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Nevada
A look at other Nevada credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Financial Horizons
Using this data
- Financial Horizons ranks #99 of 4,374 nationally on financial health and #3 of 13 in NV -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ELKO is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ELKO
Frequently Asked Questions
Is Financial Horizons financially healthy?
Financial Horizons has a financial health score of 98/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #99 of 4,374 nationally on health and #3 of 13 in Nevada. Its net worth ratio is 12.61% and its delinquency rate 0.04%.
How does Financial Horizons compare to other credit unions?
Financial Horizons scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.04% vs 0.89%). Its widest shortfall is loan-to-share ratio (62.22% vs 72.20%).
How can I join Financial Horizons?
Membership eligibility for Financial Horizons depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Financial Horizons directly for current membership requirements and application steps.
Is my money safe at Financial Horizons?
Financial Horizons is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Financial Horizons's net worth ratio of 12.61% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.