State credit union · Spokane Valley, Washington · NCUA charter #67264
HORIZON
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $2.03B
- Total assets
- 106,635
- Members
- 12.7%
- Net-worth ratio
HORIZON scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.03B; members 106,635; net-worth ratio 12.68%; health rank #2,733 of 4,374; healthier than 36th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,733 of 4,374 health · 2025Q4HORIZON · health 80/100 · $2.03B · 2025Q4
Call Report peers
HORIZON in the assets neighbourhood
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 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
HORIZON: Call Report deltas vs peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +13.07 pp (96.97% vs 83.90%).
- Largest lag: Return on Assets at 0.20% vs peer 0.51% (-0.31 pp).
Washington standing for HORIZON
- Health composite ranks #49 of 75 among scored Washington credit unions.
- By total assets, HORIZON is #14 of 75 in Washington.
- Washington membership ordinal: #14 of 75.
- One place up in Washington, WATERFRONT (#48) scores 81/100, 1 point higher; one place down, Industrial Cu of Whatcom County (#50) ties at 80/100.
HORIZON Call Report trajectory
HORIZON: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.5% from $2.03B (2025Q4) to $2.00B (2026Q1).
- Net-worth ratio shifted +0.32 pp (12.36% → 12.68%).
At 12.68%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
HORIZON gives up 20 points in total. Member Growth costs the most, 11.9 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.5 pts
- Member Growth 3.1 pts
- Loan-to-Share Ratio 11.4 pts
Call Report ratios for HORIZON
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.68% | +1.50 pp |
| Delinquency Rate | 0.24% | -0.64 pp |
| Return on Assets | 0.20% | -0.31 pp |
| Member Growth | -3.28% | - |
| Loan-to-Share Ratio | 96.97% | +13.07 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
HORIZON filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.00B | - |
| 2025Q4 | $2.03B | 106,635 |
| 2024Q4 | $2.01B | 110,250 |
| 2023Q4 | $2.05B | 112,336 |
Credit Union Details
- Charter Number
- 67264
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Washington
- City
- Spokane Valley
- Data Quarter
- 2025Q4
Branch Locations (30)
HORIZON operates 30 offices across 19 cities, spanning 4 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Spokane Valley, WA |
| Chinden | Boise, ID |
| Treasure Valley Corporate Office | Boise, ID |
| Orchard | Boise, ID |
| Emerald | Boise, ID |
| Barber Station | Boise, ID |
| Bozeman Branch | Bozeman, MT |
| Butte Branch | Butte, MT |
| Coeur d'Alene Branch | Coeur D Alene, ID |
| Colville Branch | Colville, WA |
| Deer Park Branch | Deer Park, WA |
| Ephrata Branch | Ephrata, WA |
| 10th Avenue (Great Falls) | Great Falls, MT |
| River Drive | Great Falls, MT |
| La Grande | La Grande, OR |
| Liberty Lake Branch | Liberty Lake, WA |
| Overland - Meridian | Meridian, ID |
| Ten Mile - Meridian | Meridian, ID |
| South Reserve Branch | Missoula, MT |
| Brooks Branch | Missoula, MT |
| Moses Lake Branch | Moses Lake, WA |
| 12th Ave (Nampa) | Nampa, ID |
| Post Falls Branch | Post Falls, ID |
| Sandpoint Branch | Sandpoint, ID |
| Northpointe Branch | Spokane, WA |
| Washington Branch | Spokane, WA |
| Mullan Branch | Spokane Valley, WA |
| Mirabeau Branch | Spokane Valley, WA |
| Conklin Branch | Spokane Valley, WA |
| Weiser | Weiser, ID |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
A look at other Washington credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- HORIZON ranks #2,733 of 4,374 nationally on financial health and #49 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- IQ is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with IQ
Frequently Asked Questions
Is HORIZON financially healthy?
On its 2025Q4 NCUA 5300 filing, HORIZON scores 80/100 (Excellent), with a 12.68% net worth ratio and 0.24% of loans delinquent. It ranks #2,733 of 4,374 nationally on health and #49 of 75 in Washington.
How does HORIZON compare to other credit unions?
HORIZON scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (96.97% vs 83.90%). Its widest shortfall is return on assets (0.20% vs 0.51%).
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 12.68% 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.