State credit union · Westminster, Colorado · NCUA charter #68274
Horizons North
Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $130.0M
- Total assets
- 6,717
- Members
- 8.3%
- Net-worth ratio
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.
Horizons North - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)86
- Asset quality (delinquency)100
- Earnings (ROA)67
- Member growth37
- Liquidity (loan-to-share)100
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 8.32%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.32% | 30% |
| Delinquency Rate | 0.03% | 25% |
| Return on Assets | 0.17% | 15% |
| Member Growth | -1.96% | 15% |
| Loan-to-Share Ratio | 76.46% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Horizons North
Charter #68274, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Horizons North, a state credit union in Westminster, Colorado with 6,717 members, $130.0M in total assets, and $91.3M in outstanding loans as of Q4 2025. The five-factor composite scores it 81/100 (Excellent), helped by a net worth ratio of 8.32% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.03% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers - and a 76.46% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.17% on net income of $216K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -1.96%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Colorado
More federally-insured credit unions based in Colorado, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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 this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 8.32% 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 8.32% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.