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
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
The busiest band is 85-89 (858 credit unions); HORIZON sits in 55-59 with 115 others.
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: 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%).
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.
- One place up in Pennsylvania, Colfax Power Plant Employees (#257) ties at 57/100; one place down, E R R L (#259) scores 56/100, 1 point lower.
HORIZON: 2025Q4 → 2026Q1
HORIZON: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $147.9M (2025Q4) to $152.4M (2026Q1).
- Net-worth ratio shifted -0.32 pp (9.16% → 8.84%).
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
HORIZON gives up 43 points in total. Return on Assets costs the most, 15 of its 15; Loan-to-Share Ratio scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is HORIZON financially healthy?
On its 2025Q4 NCUA 5300 filing, HORIZON scores 57/100 (Fair), with a 8.84% net worth ratio and 1.83% of loans delinquent. It ranks #4,143 of 4,374 nationally on health and #258 of 275 in Pennsylvania.
How does HORIZON compare to other credit unions?
HORIZON scores 57/100, higher than 5% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (72.36% vs 72.20%). Its widest shortfall is net worth ratio (8.84% vs 12.11%).
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?
HORIZON 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. HORIZON's net worth ratio of 8.84% 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.