State credit union · Macon, Missouri · NCUA charter #63844
HORIZON
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $57.2M
- Total assets
- 6,232
- Members
- 12.0%
- Net-worth ratio
HORIZON scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $57.2M; members 6,232; net-worth ratio 11.99%; health rank #784 of 4,374; healthier than 80th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#784 of 4,374 health · 2025Q4HORIZON · health 92/100 · $57.2M · 2025Q4
Call Report peers
HORIZON in the assets neighbourhood
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HORIZON vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); HORIZON sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
HORIZON vs $50M–$100M peers
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +11.55 pp (74.15% vs 62.60%).
- Widest shortfall vs peers is Net Worth Ratio: -1.63 pp (11.99% vs 13.62%).
HORIZON in Missouri
- In Missouri, health place is #25 of 89 on the same NCUA-ratio sort used nationally.
- Missouri assets place: #42 of 89.
- Membership ranks #37 of 89 among Missouri CUs with a reported count (6,232 members).
- One place up in Missouri, RIVERWAYS (#24) scores 93/100, 1 point higher; one place down, Highway Alliance (#26) ties at 92/100.
How HORIZON's 5300 filing moved
HORIZON: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $57.2M (2025Q4) to $57.5M (2026Q1).
- Net-worth ratio shifted +0.01 pp (11.98% → 11.99%).
At 11.99%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
HORIZON gives up 8 points in total. Member Growth costs the most, 3 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.1 pts
- Return on Assets 12.2 pts
- Member Growth 12.0 pts
- Loan-to-Share Ratio 14.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.99% | -1.63 pp |
| Delinquency Rate | 0.69% | -0.27 pp |
| Return on Assets | 0.31% | -0.34 pp |
| Member Growth | 2.50% | - |
| Loan-to-Share Ratio | 74.15% | +11.55 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - HORIZON
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $57.5M | - |
| 2025Q4 | $57.2M | 6,232 |
| 2024Q4 | $58.5M | 6,080 |
| 2023Q4 | $56.2M | 5,746 |
Credit Union Details
- Charter Number
- 63844
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Missouri
- City
- Macon
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, HORIZON runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Horizon Credit Union (Main Office) | Macon, MO |
| Horizon Credit Union | Kirksville, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
More federally-insured credit unions based in Missouri, 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 #784 of 4,374 nationally on financial health and #25 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Joplin Metro is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Joplin Metro
Frequently Asked Questions
Is HORIZON financially healthy?
HORIZON has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #784 of 4,374 nationally on health and #25 of 89 in Missouri. Its net worth ratio is 11.99% and its delinquency rate 0.69%.
How does HORIZON compare to other credit unions?
HORIZON scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (74.15% vs 62.60%). Its widest shortfall is net worth ratio (11.99% vs 13.62%).
How can I join HORIZON?
Membership eligibility for HORIZON depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact HORIZON directly for current membership requirements and application steps.
Is my money safe at HORIZON?
HORIZON is a state-chartered 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 11.99% 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.