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.
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NCUA 5300 Call Report Masthead
#2,663 of 4,374 health · 2025Q4Horizons North · health 81/100 · $130.0M · 2025Q4
Call Report peers
Horizons North in the assets neighbourhood
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Horizons North vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Horizons North sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Colorado, WESTMINSTER (#41) ties at 81/100; one place down, Holyoke Community (#43) ties at 81/100.
Quarter path for Horizons North
Horizons North: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.3% from $130.0M (2025Q4) to $135.6M (2026Q1).
- Net-worth ratio shifted -0.17 pp (8.32% → 8.15%).
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
Horizons North gives up 19 points in total. Member Growth costs the most, 9.5 of its 15; Delinquency Rate and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Horizons North financially healthy?
On its 2025Q4 NCUA 5300 filing, Horizons North scores 81/100 (Excellent), with a 8.15% net worth ratio and 0.03% of loans delinquent. It ranks #2,663 of 4,374 nationally on health and #42 of 66 in Colorado.
How does Horizons North compare to other credit unions?
Horizons North scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (76.46% vs 72.20%). Its widest shortfall is net worth ratio (8.15% vs 12.11%).
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?
Horizons North 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. Horizons North's net worth ratio of 8.15% 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.