Horizon Credit Union Macon, Missouri
Horizon Credit Union is a state-chartered credit union headquartered in Macon, MO, established in 1954 (NCUA charter 63844), and it is regulated and insured by the NCUA. At Q2 2026 it reported 6,292 members and total assets of $58.8M (up 1.7% from Q2 2025), the 41st largest of 85 credit unions headquartered in Missouri. Its net worth ratio was 11.83% at Q2 2026, in the well capitalized band.
Also written as Horizon CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 63844
- Headquarters
- Macon, MO
- Established
- 1954
- Total assets, Q2 2026
- $58.8M
- Assets vs Q2 2025
- +1.7%
- Members, Q2 2026
- 6,292
- Net worth ratio, Q2 2026
- 11.83%
- Latest call report
- Q2 2026, NCUA 5300 · Horizon Credit Union call report
- Asset rank in state
- 41st of 85 in Missouri
- Routing number
- 281581047
- Branches
- 2
It has 95 more members than on June 30, 2025 (+1.5%). Its net worth ratio was up 0.43 percentage points from 11.40% on June 30, 2025. Used vehicle loans are its largest loan category, $25.0M of $36.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.84% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 11.83% net worth ratio is below that band's 14.31% median.
Frequently asked about Horizon Credit Union
How big is Horizon Credit Union?
At Q2 2026 it reported total assets of $58.8M and 6,292 members.
Where is Horizon Credit Union headquartered?
It is headquartered in Macon, MO, United States.
When was Horizon Credit Union founded?
It was established in 1954, per NCUA records.
Is Horizon Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 63844): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Horizon Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Horizon Credit Union well capitalized?
Its net worth ratio was 11.83% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Horizon Credit Union's delinquency ratio?
Its delinquency ratio was 0.84% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Horizon Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 70.83% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Macon, MO 63552
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 63844
- RSSD ID
- 834791
- Members
- 6,292
- Potential members
- 25,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 11.83% | 14.31% | 30th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.41% | 0.72% | 36th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 3.47% | 4.74% | 41st below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.13% | 3.93% | 58th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 87.59% | 79.83% | 34th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.30% | 0.78% | 23rd bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.84% | 0.86% | 51st above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.43% | 4.70% | 77th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 70.83% | 58.92% | 68th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$58.8M total assets against $57.7M; $51.3M total shares and deposits against $50.9M; $36.3M total loans against $38.7M.
$7.0M net worth against $6.6M.
11.83% net worth ratio against 11.40%.
70.83% loan-to-share ratio against 76.02%.
0.84% delinquency ratio against 0.73%.
0.41% return on assets against 0.89%; 3.47% return on equity against 7.77%.
4.13% net interest margin against 4.07%.
6,292 members against 6,197.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.83% | 0.41% | 0.84% | 70.83% |
| March 31, 2026 | 11.99% | 0.28% | 1.08% | 72.18% |
| December 31, 2025 | 11.98% | 0.75% | 0.69% | 74.15% |
| September 30, 2025 | 11.74% | 1.11% | 0.69% | 75.55% |
| June 30, 2025 | 11.40% | 0.89% | 0.73% | 76.02% |
| March 31, 2025 | 10.88% | 0.57% | 0.93% | 74.39% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.