HORIZON
Charter #68138 · Kingsport, TN · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.02% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.14% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.04% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 39th percentile but its structural peers at the 59th — a 20-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 | $59.70M | 25th pct | 31th pct |
| Members | 4,080 | 30th pct | 39th pct |
| Net worth ratio | 11.82% | 39th pct | 59th pct |
| Return on average assets | 0.73% | 52th pct | 70th pct |
| Net interest margin | 4.12% | 73th pct | 66th pct |
| Cost of funds | 0.02% | 2th pct | 3th pct |
| Loan-to-share | 80.70% | 84th pct | 66th pct |
| Delinquency 60+ days | 0.14% | 15th pct | 16th pct |
| Net charge-off ratio | -0.04% | 7th pct | 5th pct |
| Loan growth YoY | 2.53% | 82th pct | 74th pct |
| Share growth YoY | 0.89% | 26th pct | 28th pct |
| Efficiency ratio | 86.49% | 71th pct | 64th pct |
structural peer set hash: 3c2c18a4834185004148ed58b9396bfd… (reproducible)
Closest structural peers
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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.