Federal credit union · Farmington, Utah · NCUA charter #24746
Horizon Utah
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $184.8M
- Total assets
- 12,362
- Members
- 11.4%
- Net-worth ratio
Horizon Utah scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $184.8M; members 12,362; net-worth ratio 11.36%; health rank #3,594 of 4,374; healthier than 17th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,594 of 4,374 health · 2025Q4Horizon Utah · health 70/100 · $184.8M · 2025Q4
- NW 70/100
- DELQ 11.4%
- ROA 1.52%
- ASSETS 0.04%
- MEM $184.8M
- RANK 12,362
- PHOTO #3,594/4,374
- BOOK First Trust
- CHARTER 24746
Call Report peers
Horizon Utah in the assets neighbourhood
Horizon Utah's $184.8M assets sit next to First Trust ($184.7M) 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 Utah 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
70 17th percentile higher than 17% 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 Utah - Share Insurance Coverage
Charter #24746'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.
Where Horizon Utah diverges from peer averages
- Largest lag: Loan-to-Share Ratio at 56.33% vs peer 72.20% (-15.87 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Utah standing for Horizon Utah
- In Utah, health place is #46 of 53 on the same NCUA-ratio sort used nationally.
- Assets rank #18 of 53 inside Utah ($184.8M reported).
- Membership ranks #19 of 53 among Utah CUs with a reported count (12,362 members).
In-state ordinals use the live credit_unions table for UT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Horizon Utah's 5300 filing moved
Horizon Utah: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.0% from $184.8M (2025Q4) to $186.7M (2026Q1).
- Net-worth ratio shifted -0.28 pp (11.64% → 11.36%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.36%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 70/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.1 pts
- Return on Assets 6.1 pts
- Member Growth 5.7 pts
- Loan-to-Share Ratio 12.1 pts
Horizon Utah health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.36% | -0.75 pp |
| Delinquency Rate | 1.52% | +0.62 pp |
| Return on Assets | 0.04% | -0.59 pp |
| Member Growth | -1.84% | - |
| Loan-to-Share Ratio | 56.33% | -15.87 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $186.7M | - |
| 2025Q4 | $184.8M | 12,362 |
| 2024Q4 | $179.2M | 12,594 |
| 2023Q4 | $179.4M | 12,877 |
Credit Union Details
- Charter Number
- 24746
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Utah
- City
- Farmington
- Data Quarter
- 2025Q4
Branch Locations (5)
The NCUA branch filing lists 5 physical offices for Horizon Utah, spread across 5 cities.
| Office | City |
|---|---|
| Farmington (Main Office) | Farmington, UT |
| Clearfield | Clearfield, UT |
| Kaysville | Kaysville, UT |
| West Point | West Point, UT |
| South | Woods Cross, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Utah
More federally-insured credit unions based in Utah, ordered by peer group match and asset size.
Horizon Utah nationwide neighbourhoods
Cross-state asset and health neighbours for Horizon Utah - kept outside Utah; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($184.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
Using this data
- Horizon Utah ranks #3,594 of 4,374 nationally on financial health and #46 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- ASCENT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with ASCENT
- Rates and health both vary by institution, not just by state -- see how Utah credit unions compare overall before assuming this one is typical. Utah 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 Utah financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Horizon Utah carries a financial health score of 70/100 (Very Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,594 of 4,374; by total assets it ranks #1,331 of 4,374 nationally (same basis as /rankings/largest); and #18 of 53 within Utah. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.36% net worth ratio and a 1.52% delinquency rate.
How does Horizon Utah compare to other credit unions?
70/100 is Horizon Utah's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Utah?
Horizon Utah operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Horizon Utah directly for the exact boundaries and application steps.
Is my money safe at Horizon Utah?
Federal credit unions like Horizon Utah 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 Utah's net worth ratio of 11.36% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Horizon Utah offer compared to banks?
Credit unions like Horizon Utah 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 Utah 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.