FINANCIAL HORIZONS
Charter #86755 · HAWTHORNE, NV · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.57% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.08% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 63.34% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Cost of funds, the asset-size band puts this credit union at the 36th percentile but its structural peers at the 52nd — a 17-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 | FINANCIAL HORIZONS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $314.10M | 75th pct | 70th pct |
| Members | 14,443 | 57th pct | 48th pct |
| Net worth ratio | 12.61% | 65th pct | 66th pct |
| Return on average assets | 1.57% | 90th pct | 87th pct |
| Net interest margin | 3.40% | 35th pct | 43th pct |
| Cost of funds | 0.94% | 36th pct | 52th pct |
| Loan-to-share | 60.82% | 29th pct | 43th pct |
| Delinquency 60+ days | 0.08% | 5th pct | 8th pct |
| Net charge-off ratio | 0.18% | 29th pct | 36th pct |
| Loan growth YoY | 1.16% | 59th pct | 64th pct |
| Share growth YoY | 3.80% | 55th pct | 62th pct |
| Efficiency ratio | 63.34% | 12th pct | 15th pct |
structural peer set hash: bc9dbd94926933573e41af727000e433… (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.