HORIZON
Charter #63844 · Macon, MO · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- On Net interest margin, the asset-size band puts this credit union at the 71st percentile but its structural peers at the 44th — a 27-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 | HORIZON | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $57.47M | 19th pct | 43th pct |
| Members | 6,280 | 71th pct | 52th pct |
| Net worth ratio | 11.99% | 41th pct | 49th pct |
| Return on average assets | 0.29% | 27th pct | 26th pct |
| Net interest margin | 4.08% | 71th pct | 44th pct |
| Cost of funds | 1.59% | 84th pct | 66th pct |
| Loan-to-share | 72.18% | 72th pct | 51th pct |
| Delinquency 60+ days | 1.08% | 74th pct | 74th pct |
| Net charge-off ratio | 0.22% | 47th pct | 26th pct |
| Loan growth YoY | -4.95% | 18th pct | 18th pct |
| Share growth YoY | -0.51% | 13th pct | 11th pct |
| Efficiency ratio | 84.46% | 64th pct | 66th pct |
structural peer set hash: 178228f819933851cfa39f91f81494c1… (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.