HORIZON
Charter #10687 · Williamsport, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 8.84% sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of -0.22% sits at the 5th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.86% sits at the 92nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.82% sits at the 79th percentile of structural peers — worth a closer look.
- Efficiency ratio of 95.60% sits at the 98th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | HORIZON | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $152.39M | 32th pct | 30th pct |
| Members | 14,900 | 59th pct | 54th pct |
| Net worth ratio | 8.84% | 12th pct | 10th pct |
| Return on average assets | -0.22% | 5th pct | 5th pct |
| Net interest margin | 4.10% | 77th pct | 74th pct |
| Cost of funds | 0.99% | 38th pct | 51th pct |
| Loan-to-share | 68.10% | 42th pct | 51th pct |
| Delinquency 60+ days | 1.86% | 94th pct | 92th pct |
| Net charge-off ratio | 0.82% | 84th pct | 79th pct |
| Loan growth YoY | -5.80% | 4th pct | 5th pct |
| Share growth YoY | 3.76% | 55th pct | 46th pct |
| Efficiency ratio | 95.60% | 95th pct | 98th pct |
structural peer set hash: 75ccf912e72784dda733fd6149ae9ac1… (reproducible)
Closest structural peers
This is the free public view
Claim HORIZON
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.