HORIZON UTAH
Charter #24746 · Farmington, UT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.64% sits at the 0th percentile of structural peers — worth a closer look.
- Net interest margin of 2.78% sits at the 0th percentile of structural peers — worth a closer look.
- Cost of funds of 1.52% sits at the 87th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.50% sits at the 90th percentile of structural peers — worth a closer look.
- Efficiency ratio of 94.82% sits at the 93rd 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 UTAH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $186.66M | 46th pct | 51th pct |
| Members | 12,367 | 46th pct | 44th pct |
| Net worth ratio | 11.36% | 48th pct | 52th pct |
| Return on average assets | -0.64% | 2th pct | 0th pct |
| Net interest margin | 2.78% | 8th pct | 0th pct |
| Cost of funds | 1.52% | 67th pct | 87th pct |
| Loan-to-share | 54.87% | 18th pct | 28th pct |
| Delinquency 60+ days | 0.73% | 60th pct | 57th pct |
| Net charge-off ratio | 1.50% | 96th pct | 90th pct |
| Loan growth YoY | -1.56% | 30th pct | 39th pct |
| Share growth YoY | 3.42% | 49th pct | 46th pct |
| Efficiency ratio | 94.82% | 94th pct | 93th pct |
structural peer set hash: 7b37ae8577ea134dc02f9e86b2b391ff… (reproducible)
Closest structural peers
This is the free public view
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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.