NEW HORIZON
Charter #616 · Barberton, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.47% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.66% sits at the 85th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.80% sits at the 85th percentile of structural peers — worth a closer look.
- Efficiency ratio of 63.93% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 88th percentile but its structural peers at the 48th — a 41-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 HORIZON | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $43.04M | 88th pct | 48th pct |
| Members | 3,208 | 80th pct | 43th pct |
| Net worth ratio | 13.65% | 50th pct | 64th pct |
| Return on average assets | 1.47% | 85th pct | 87th pct |
| Net interest margin | 3.94% | 55th pct | 41th pct |
| Cost of funds | 1.66% | 82th pct | 85th pct |
| Loan-to-share | 78.80% | 83th pct | 67th pct |
| Delinquency 60+ days | 0.42% | 42th pct | 34th pct |
| Net charge-off ratio | 0.80% | 81th pct | 85th pct |
| Loan growth YoY | -1.20% | 60th pct | 44th pct |
| Share growth YoY | 7.11% | 87th pct | 90th pct |
| Efficiency ratio | 63.93% | 16th pct | 11th pct |
structural peer set hash: c96ce25c5fcb7d5648eb674159caacbf… (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.