NEW HORIZONS
Charter #60799 · MOBILE, AL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.34% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 73rd percentile but its structural peers at the 54th — a 19-point gap showing why the peer definition matters.
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 | NEW HORIZONS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $296.19M | 73th pct | 54th pct |
| Members | 23,513 | 86th pct | 72th pct |
| Net worth ratio | 10.89% | 41th pct | 56th pct |
| Return on average assets | 0.66% | 47th pct | 33th pct |
| Net interest margin | 3.58% | 46th pct | 46th pct |
| Cost of funds | 1.06% | 41th pct | 34th pct |
| Loan-to-share | 80.08% | 69th pct | 56th pct |
| Delinquency 60+ days | 0.34% | 26th pct | 25th pct |
| Net charge-off ratio | 0.18% | 27th pct | 36th pct |
| Loan growth YoY | 6.10% | 91th pct | 84th pct |
| Share growth YoY | 7.45% | 89th pct | 80th pct |
| Efficiency ratio | 83.29% | 67th pct | 72th pct |
structural peer set hash: b9fccf5834b44bdd5ef4bf09f6edbfcd… (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.