Federal credit union · Williamsport, Pennsylvania · NCUA charter #10687
HORIZON
Health score 57/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 57
- Health / 100
- $147.9M
- Total assets
- 14,181
- Members
- 8.8%
- Net-worth ratio
HORIZON scores 57/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $147.9M; members 14,181; net-worth ratio 8.84%; health rank #4,143 of 4,374; healthier than 5th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,143 of 4,374 health · 2025Q4HORIZON · health 57/100 · $147.9M · 2025Q4
- RANK 57/100
- PHOTO 8.8%
- BOOK 1.83%
- CHARTER -0.59%
- NCUSIF $147.9M
- CAMELS 14,181
- HEALTH #4,143/4,374
- NW Jm Associates
- DELQ 10687
HORIZON in the assets neighbourhood
HORIZON's $147.9M assets sit next to Jm Associates ($148.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
HORIZON vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
57 5th percentile higher than 5% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
HORIZON - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #10687: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
HORIZON: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 72.36% here, 72.20% peer average (+0.16 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.27 pp (8.84% vs 12.11%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
HORIZON in Pennsylvania
- In Pennsylvania, health place is #258 of 275 on the same NCUA-ratio sort used nationally.
- Pennsylvania assets place: #60 of 275.
- Member book place in Pennsylvania: #52 of 275.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
HORIZON: 2025Q4 → 2026Q1
HORIZON: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.0% from $147.9M (2025Q4) to $152.4M (2026Q1).
- Net-worth ratio shifted -0.32 pp (9.16% → 8.84%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.84%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 57/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 57.
- Net Worth Ratio 27.1 pts
- Delinquency Rate 13.8 pts
- Return on Assets 0.0 pts
- Member Growth 1.6 pts
- Loan-to-Share Ratio 14.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.84% | -3.27 pp |
| Delinquency Rate | 1.83% | +0.94 pp |
| Return on Assets | -0.59% | -1.22 pp |
| Member Growth | -4.12% | - |
| Loan-to-Share Ratio | 72.36% | +0.16 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $152.4M | - |
| 2025Q4 | $147.9M | 14,181 |
| 2024Q4 | $142.2M | 14,790 |
| 2023Q4 | $136.6M | 14,612 |
Credit Union Details
- Charter Number
- 10687
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Pennsylvania
- City
- Williamsport
- Data Quarter
- 2025Q4
Branch Locations (7)
The NCUA branch filing lists 7 physical offices for HORIZON, spread across 5 cities.
| Office | City |
|---|---|
| Executive Plaza (Main Office) | Williamsport, PA |
| LOCK HAVEN BRANCH OFFICE | LOCK HAVEN, PA |
| Muncy Branch | Muncy, PA |
| State College Branch | State College, PA |
| Third Street Branch | WILLIAMSPORT, PA |
| Lycoming Creek Branch | Williamsport, PA |
| Williamsport Area High School | Williamsport, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Cross-state Call Report peers for HORIZON
HORIZON's nationwide photo peers by assets and by health score, excluding Pennsylvania charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($147.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (57/100 here).
Using this data
- HORIZON ranks #4,143 of 4,374 nationally on financial health and #258 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ARC is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ARC
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is HORIZON financially healthy?
A 8.84% net worth ratio and a 1.83% delinquency rate feed into HORIZON's financial health score of 57/100 (Fair), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,143 of 4,374; by total assets it ranks #1,496 of 4,374 nationally (same basis as /rankings/largest); and #60 of 275 within Pennsylvania. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does HORIZON compare to other credit unions?
57/100 is HORIZON's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join HORIZON?
HORIZON operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact HORIZON directly for the exact boundaries and application steps.
Is my money safe at HORIZON?
Federal credit unions like HORIZON are 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. HORIZON's net worth ratio of 8.84% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does HORIZON offer compared to banks?
Credit unions like HORIZON are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact HORIZON directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.