State credit union · Westminster, Colorado · NCUA charter #68274
Horizons North
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $130.0M
- Total assets
- 6,717
- Members
- 8.2%
- Net-worth ratio
Horizons North scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $130.0M; members 6,717; net-worth ratio 8.15%; health rank #2,663 of 4,374; healthier than 39th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#2,663 of 4,374 health · 2025Q4Horizons North · health 81/100 · $130.0M · 2025Q4
- ROA 81/100
- ASSETS 8.2%
- MEM 0.03%
- RANK 0.17%
- PHOTO $130.0M
- BOOK 6,717
- CHARTER #2,663/4,374
- NCUSIF GRASSLANDS
- CAMELS 68274
Call Report peers
Horizons North in the assets neighbourhood
Horizons North's $130.0M assets sit next to GRASSLANDS ($130.0M) 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.
Horizons North 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
81 39th percentile higher than 39% 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
Horizons North - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #68274, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Horizons North
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +4.26 pp (76.46% vs 72.20%).
- Largest lag: Net Worth Ratio at 8.15% vs peer 12.11% (-3.96 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Colorado standing for Horizons North
- Health composite ranks #42 of 66 among scored Colorado credit unions.
- Colorado assets place: #31 of 66.
- Colorado membership ordinal: #33 of 66.
In-state ordinals use the live credit_unions table for CO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Horizons North
Horizons North: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.3% from $130.0M (2025Q4) to $135.6M (2026Q1).
- Net-worth ratio shifted -0.17 pp (8.32% → 8.15%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 8.15%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 25.4 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.0 pts
- Member Growth 5.5 pts
- Loan-to-Share Ratio 15.1 pts
Horizons North health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.15% | -3.96 pp |
| Delinquency Rate | 0.03% | -0.86 pp |
| Return on Assets | 0.17% | -0.46 pp |
| Member Growth | -1.96% | - |
| Loan-to-Share Ratio | 76.46% | +4.26 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).
Horizons North quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $135.6M | - |
| 2025Q4 | $130.0M | 6,717 |
| 2024Q4 | $120.7M | 6,851 |
| 2023Q4 | $117.2M | 7,009 |
Credit Union Details
- Charter Number
- 68274
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Colorado
- City
- Westminster
- Data Quarter
- 2025Q4
Branch Location
Horizons North operates a single office in Westminster, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Westminster, CO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Colorado
More federally-insured credit unions based in Colorado, ordered by peer group match and asset size.
Horizons North nationwide neighbourhoods
Cross-state asset and health neighbours for Horizons North - kept outside Colorado; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($130.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Horizons North ranks #2,663 of 4,374 nationally on financial health and #42 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pikes Peak is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pikes Peak
- Rates and health both vary by institution, not just by state -- see how Colorado credit unions compare overall before assuming this one is typical. Colorado 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 Horizons North financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Horizons North carries a financial health score of 81/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,663 of 4,374; by total assets it ranks #1,602 of 4,374 nationally (same basis as /rankings/largest); and #31 of 66 within Colorado. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.15% net worth ratio and a 0.03% delinquency rate.
How does Horizons North compare to other credit unions?
PlainCU's health composite puts Horizons North at 81/100, compared to a peer group average for $100M–$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 Horizons North?
Membership eligibility for Horizons North depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Horizons North directly for current membership requirements and application steps.
Is my money safe at Horizons North?
Federal credit unions like Horizons North 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. Horizons North's net worth ratio of 8.15% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Horizons North offer compared to banks?
Credit unions like Horizons North 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 Horizons North 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.