HORIZON
Charter #67264 · Spokane Valley, WA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 12.68% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.14% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
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 | $2.00B | 44th pct | 54th pct |
| Members | 105,370 | 44th pct | 51th pct |
| Net worth ratio | 12.68% | 78th pct | 80th pct |
| Return on average assets | 0.54% | 34th pct | 26th pct |
| Net interest margin | 3.55% | 63th pct | 61th pct |
| Cost of funds | 1.78% | 50th pct | 43th pct |
| Loan-to-share | 96.01% | 82th pct | 72th pct |
| Delinquency 60+ days | 0.14% | 3th pct | 3th pct |
| Net charge-off ratio | 0.48% | 45th pct | 46th pct |
| Loan growth YoY | -3.07% | 4th pct | 7th pct |
| Share growth YoY | -2.29% | 1th pct | 3th pct |
| Efficiency ratio | 76.78% | 66th pct | 62th pct |
structural peer set hash: 99a087556be0683d156e94227800e723… (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.