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
- HEALTH 92/100
- NW 12.0%
- DELQ 0.69%
- ROA 0.31%
- ASSETS $57.2M
- MEM 6,232
- RANK #784/4,374
- PHOTO NORDSTROM
- BOOK 63844
Call Report peers
HORIZON in the assets neighbourhood
HORIZON's $57.2M assets sit next to NORDSTROM ($57.2M) 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
92 Top 20% higher than 80% 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
Charter #63844's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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%).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for MO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How HORIZON's 5300 filing moved
HORIZON: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.5% from $57.2M (2025Q4) to $57.5M (2026Q1).
- Net-worth ratio shifted +0.01 pp (11.98% → 11.99%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Cross-state asset and health neighbours for HORIZON - kept outside Missouri; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($57.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Missouri credit unions compare overall before assuming this one is typical. Missouri 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?
Based on NCUA 5300 Call Report data as of Q4 2025, HORIZON carries a financial health score of 92/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #784 of 4,374; by total assets it ranks #2,299 of 4,374 nationally (same basis as /rankings/largest); and #42 of 89 within Missouri. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.99% net worth ratio and a 0.69% delinquency rate.
How does HORIZON compare to other credit unions?
On PlainCU's health composite, HORIZON lands at 92/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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?
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?
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 11.99% 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.