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
Call Report peers
Horizon Utah in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Horizon Utah sits in 70-74 with 317 others.
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
Where Horizon Utah diverges from peer averages
- Largest lag: Loan-to-Share Ratio at 56.33% vs peer 72.20% (-15.87 pp).
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).
- One place up in Utah, National J. a. C. L. (#45) scores 72/100, 2 points higher; one place down, New Heights (#47) scores 67/100, 3 points lower.
How Horizon Utah's 5300 filing moved
Horizon Utah: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.0% from $184.8M (2025Q4) to $186.7M (2026Q1).
- Net-worth ratio shifted -0.28 pp (11.64% → 11.36%).
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
Horizon Utah gives up 30 points in total. Member Growth costs the most, 9.3 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is Horizon Utah financially healthy?
On its 2025Q4 NCUA 5300 filing, Horizon Utah scores 70/100 (Very Good), with a 11.36% net worth ratio and 1.52% of loans delinquent. It ranks #3,594 of 4,374 nationally on health and #46 of 53 in Utah.
How does Horizon Utah compare to other credit unions?
Horizon Utah scores 70/100, higher than 17% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (56.33% vs 72.20%).
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?
Horizon Utah is a federal 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 Utah's net worth ratio of 11.36% 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.