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
- HEALTH 80/100
- NW 12.7%
- DELQ 0.24%
- ROA 0.20%
- ASSETS $2.03B
- MEM 106,635
- RANK #2,733/4,374
- PHOTO SUFFOLK
- BOOK 67264
Call Report peers
HORIZON in the assets neighbourhood
HORIZON's $2.03B assets sit next to SUFFOLK ($2.03B) 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
80 36th percentile higher than 36% 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 #67264'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: 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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for WA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
HORIZON Call Report trajectory
HORIZON: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.5% from $2.03B (2025Q4) to $2.00B (2026Q1).
- Net-worth ratio shifted +0.32 pp (12.36% → 12.68%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
Two NCUA Call Report peer sets for HORIZON, both outside Washington so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.03B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Washington credit unions compare overall before assuming this one is typical. Washington 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?
HORIZON has a financial health score of 80/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,733 of 4,374; by total assets it ranks #258 of 4,374 nationally (same basis as /rankings/largest); and #14 of 75 within Washington. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 12.68% and delinquency rate of 0.24%.
How does HORIZON compare to other credit unions?
PlainCU's health composite puts HORIZON at 80/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 12.68% 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.