State credit union · MOBILE, Alabama · NCUA charter #60799
New Horizons
Health score 98/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 98
- Health / 100
- $279.7M
- Total assets
- 23,292
- Members
- 10.9%
- Net-worth ratio
New Horizons scores 98/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $279.7M; members 23,292; net-worth ratio 10.89%; health rank #117 of 4,374; healthier than 97th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#117 of 4,374 health · 2025Q4New Horizons · health 98/100 · $279.7M · 2025Q4
Call Report peers
New Horizons in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
New Horizons vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); New Horizons sits in 95-99 with 391 others.
98 Top 3% higher than 97% 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 Horizons vs $100M–$500M peers
- Strongest edge vs 1069 $100M–$500M peers is Loan-to-Share Ratio: +11.09 pp (83.29% vs 72.20%).
- Widest shortfall vs peers is Net Worth Ratio: -1.22 pp (10.89% vs 12.11%).
New Horizons in Alabama
- Alabama health ordinal: #2 of 89.
- Assets rank #21 of 89 inside Alabama ($279.7M reported).
- Alabama membership ordinal: #20 of 89.
- One place up in Alabama, FIREMAN'S (#1) scores 100/100, 2 points higher; one place down, North Alabama Papermakers (#3) scores 97/100, 1 point lower.
Quarter path for New Horizons
New Horizons: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.9% from $279.7M (2025Q4) to $296.2M (2026Q1).
- Net-worth ratio shifted -0.09 pp (10.98% → 10.89%).
10.89% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 98/100 score is built
New Horizons gives up 2 points in total. Return on Assets costs the most, 1.4 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.6 pts
- Member Growth 14.3 pts
- Loan-to-Share Ratio 15.1 pts
Call Report ratios for New Horizons
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.89% | -1.22 pp |
| Delinquency Rate | 0.20% | -0.70 pp |
| Return on Assets | 0.41% | -0.22 pp |
| Member Growth | 4.44% | - |
| Loan-to-Share Ratio | 83.29% | +11.09 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
New Horizons quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $296.2M | - |
| 2025Q4 | $279.7M | 23,292 |
| 2024Q4 | $264.2M | 22,302 |
| 2023Q4 | $272.1M | 22,587 |
Credit Union Details
- Charter Number
- 60799
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Alabama
- City
- MOBILE
- Data Quarter
- 2025Q4
Branch Locations (9)
Per its most recent NCUA branch filing, New Horizons runs 9 offices in 5 different cities.
| Office | City |
|---|---|
| Administration (Main Office) | Mobile, AL |
| Daphne Branch | Daphne, AL |
| Jackson Branch | Jackson, AL |
| West Mobile Branch | Mobile, AL |
| Rangeline Branch | Mobile, AL |
| Cottage Hill Branch | Mobile, AL |
| Midtown Branch | Mobile, AL |
| Saraland Branch | Saraland, AL |
| Semmes Branch | Semmes, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
Other federally-insured credit unions in Alabama, closest first by peer group and asset size.
Cross-state Call Report peers for New Horizons
Similar total assets
Similar health score
Using this data
- New Horizons ranks #117 of 4,374 nationally on financial health and #2 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Auburn University is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Auburn University
Frequently Asked Questions
Is New Horizons financially healthy?
New Horizons has a financial health score of 98/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #117 of 4,374 nationally on health and #2 of 89 in Alabama. Its net worth ratio is 10.89% and its delinquency rate 0.20%.
How does New Horizons compare to other credit unions?
New Horizons scores 98/100, higher than 97% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (83.29% vs 72.20%). Its widest shortfall is net worth ratio (10.89% vs 12.11%).
How can I join New Horizons?
Membership eligibility for New Horizons depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact New Horizons directly for current membership requirements and application steps.
Is my money safe at New Horizons?
New Horizons 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. New Horizons's net worth ratio of 10.89% 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.