State credit union · Kingsport, Tennessee · NCUA charter #68138
HORIZON
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $60.0M
- Total assets
- 4,103
- Members
- 11.8%
- Net-worth ratio
HORIZON scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $60.0M; members 4,103; net-worth ratio 11.82%; health rank #1,977 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,977 of 4,374 health · 2025Q4HORIZON · health 85/100 · $60.0M · 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
HORIZON sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% 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 vs $50M–$100M peers
- Loan-to-Share Ratio leads the peer set - 78.02% here, 62.60% peer average (+15.42 pp).
- Largest lag: Net Worth Ratio at 11.82% vs peer 13.62% (-1.80 pp).
Where HORIZON sits in Tennessee
- In Tennessee, health place is #64 of 127 on the same NCUA-ratio sort used nationally.
- By total assets, HORIZON is #57 of 127 in Tennessee.
- Membership ranks #63 of 127 among Tennessee CUs with a reported count (4,103 members).
- One place up in Tennessee, Credit Union for Robertson County (#63) ties at 85/100; one place down, RESOURCE (#65) ties at 85/100.
HORIZON Call Report trajectory
HORIZON: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.6% from $60.0M (2025Q4) to $59.7M (2026Q1).
- Net-worth ratio shifted +0.25 pp (11.57% → 11.82%).
11.82% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 85/100 score is built
HORIZON gives up 15 points in total. Member Growth costs the most, 12.3 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 12.3 pts
- Member Growth 2.7 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for HORIZON
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.82% | -1.80 pp |
| Delinquency Rate | 0.01% | -0.95 pp |
| Return on Assets | 0.32% | -0.34 pp |
| Member Growth | -3.50% | - |
| Loan-to-Share Ratio | 78.02% | +15.42 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
HORIZON filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $59.7M | - |
| 2025Q4 | $60.0M | 4,103 |
| 2024Q4 | $59.7M | 4,252 |
| 2023Q4 | $59.9M | 4,384 |
Credit Union Details
- Charter Number
- 68138
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Tennessee
- City
- Kingsport
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for HORIZON, spread across 3 cities.
| Office | City |
|---|---|
| Horizon Credit Union (Main Office) | Kingsport, TN |
| Horizon Credit Union | Church Hill, TN |
| Vital Records Center | Kingsport, TN |
| Disaster Recovery Location | Mt Carmel, TN |
| Horizon Credit Union | Mt Carmel, TN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Tennessee
A look at other Tennessee credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near HORIZON
Using this data
- HORIZON ranks #1,977 of 4,374 nationally on financial health and #64 of 127 in TN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Select Seven is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Select Seven
Frequently Asked Questions
Is HORIZON financially healthy?
On its 2025Q4 NCUA 5300 filing, HORIZON scores 85/100 (Excellent), with a 11.82% net worth ratio and 0.01% of loans delinquent. It ranks #1,977 of 4,374 nationally on health and #64 of 127 in Tennessee.
How does HORIZON compare to other credit unions?
HORIZON scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (78.02% vs 62.60%). Its widest shortfall is net worth ratio (11.82% 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 11.82% 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.