Federal credit union · Barberton, Ohio · NCUA charter #616
New Horizon
Health score 99/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $42.0M
- Total assets
- 3,170
- Members
- 13.7%
- Net-worth ratio
New Horizon scores 99/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $42.0M; members 3,170; net-worth ratio 13.65%; health rank #47 of 4,374; healthier than 98th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#47 of 4,374 health · 2025Q4New Horizon · health 99/100 · $42.0M · 2025Q4
- NW 99/100
- DELQ 13.7%
- ROA 0.11%
- ASSETS 0.64%
- MEM $42.0M
- RANK 3,170
- PHOTO #47/4,374
- BOOK BCM
- CHARTER 616
Call Report peers
New Horizon in the assets neighbourhood
New Horizon's $42.0M assets sit next to BCM ($41.9M) 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.
New Horizon 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
99 Top 2% higher than 98% 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
New Horizon - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #616, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for New Horizon
- Loan-to-Share Ratio leads the peer set - 83.56% here, 59.80% peer average (+23.76 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.21 pp (13.65% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where New Horizon sits in Ohio
- Ohio health ordinal: #4 of 196.
- Assets rank #115 of 196 inside Ohio ($42.0M reported).
- Membership ranks #125 of 196 among Ohio CUs with a reported count (3,170 members).
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for New Horizon
New Horizon: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $42.0M (2025Q4) to $43.0M (2026Q1).
- Net-worth ratio shifted +0.02 pp (13.63% → 13.65%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.65% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 99/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 99.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.9 pts
- Loan-to-Share Ratio 15.1 pts
New Horizon health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.65% | -1.21 pp |
| Delinquency Rate | 0.11% | -1.04 pp |
| Return on Assets | 0.64% | -0.07 pp |
| Member Growth | 4.07% | - |
| Loan-to-Share Ratio | 83.56% | +23.76 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $43.0M | - |
| 2025Q4 | $42.0M | 3,170 |
| 2024Q4 | $37.4M | 3,046 |
| 2023Q4 | $37.7M | 2,965 |
Credit Union Details
- Charter Number
- 616
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Barberton
- Data Quarter
- 2025Q4
Branch Locations (6)
New Horizon operates 6 offices across 4 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Barberton, OH |
| Cloud Back-Up | Barberton, OH |
| Barberton High School | Barberton, OH |
| Firestone FCU | Coventry Township, OH |
| Norton Plaza Office | Norton, OH |
| Tallmadge High School | Tallmadge, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
A look at other Ohio credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for New Horizon - kept outside Ohio; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($42.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (99/100 here).
Using this data
- New Horizon ranks #47 of 4,374 nationally on financial health and #4 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- HARVEST is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with HARVEST
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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 New Horizon financially healthy?
New Horizon has a financial health score of 99/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #47 of 4,374; by total assets it ranks #2,553 of 4,374 nationally (same basis as /rankings/largest); and #115 of 196 within Ohio. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.65% and delinquency rate of 0.11%.
How does New Horizon compare to other credit unions?
PlainCU's health composite puts New Horizon at 99/100, compared to a peer group average for $10M–$50M 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 New Horizon?
New Horizon 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 New Horizon directly for the exact boundaries and application steps.
Is my money safe at New Horizon?
Federal credit unions like New Horizon 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. New Horizon's net worth ratio of 13.65% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does New Horizon offer compared to banks?
Credit unions like New Horizon 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 New Horizon 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.