HORIZONS NORTH
Charter #68274 · Westminster, CO · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 6,718 sits at the 16th percentile of structural peers — worth a closer look.
- Net worth ratio of 8.15% sits at the 8th percentile of structural peers — worth a closer look.
- Cost of funds of 0.02% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.06% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.08% ranks in the 21st 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 | HORIZONS NORTH | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $135.61M | 23th pct | 28th pct |
| Members | 6,718 | 10th pct | 16th pct |
| Net worth ratio | 8.15% | 4th pct | 8th pct |
| Return on average assets | 0.67% | 48th pct | 49th pct |
| Net interest margin | 3.28% | 28th pct | 26th pct |
| Cost of funds | 0.02% | 3th pct | 3th pct |
| Loan-to-share | 73.62% | 53th pct | 44th pct |
| Delinquency 60+ days | 0.06% | 4th pct | 3th pct |
| Net charge-off ratio | 0.08% | 15th pct | 21th pct |
| Loan growth YoY | -1.56% | 30th pct | 15th pct |
| Share growth YoY | 6.53% | 85th pct | 72th pct |
| Efficiency ratio | 82.71% | 64th pct | 54th pct |
structural peer set hash: 91bafe1c932b52349ea48fa50ed082dd… (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.