Horizon Credit Union Spokane, Washington
Horizon Credit Union is a state-chartered credit union headquartered in Spokane, WA, established in 1948 (NCUA charter 67264), and it is regulated and insured by the NCUA. At Q2 2026 it reported 104,357 members and total assets of $1.97B (down 2.3% from Q2 2025), the 14th largest of 73 credit unions headquartered in Washington. Its net worth ratio was 13.08% at Q2 2026, in the well capitalized band.
Also written as Horizon CU · Trade name filed with the NCUA: HZCU
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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
- 67264
- Headquarters
- Spokane, WA
- Established
- 1948
- Total assets, Q2 2026
- $1.97B
- Assets vs Q2 2025
- -2.3%
- Members, Q2 2026
- 104,357
- Net worth ratio, Q2 2026
- 13.08%
- Latest call report
- Q2 2026, NCUA 5300 · Horizon Credit Union call report
- Asset rank in state
- 14th of 73 in Washington
- Routing number
- 325182506
- Branches
- 29
It has 4,445 fewer members than on June 30, 2025 (-4.1%). Its net worth ratio was up 0.95 percentage points from 12.13% on June 30, 2025. Other secured non-real estate loans and lines of credit are its largest loan category, $628.0M of $1.60B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.27% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 13.08% net worth ratio is above that band's 10.89% median.
Credit unions merged into Horizon Credit Union
Embark Federal Credit Union (2022) · Icon Credit Union (2020) · Amicus Federal Credit Union (2016) · United Health Services Credit Union (2015) · Edtech Federal Credit Union (2015)
Frequently asked about Horizon Credit Union
How big is Horizon Credit Union?
At Q2 2026 it reported total assets of $1.97B and 104,357 members.
Where is Horizon Credit Union headquartered?
It is headquartered in Spokane, WA, United States.
When was Horizon Credit Union founded?
It was established in 1948, 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 67264): 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 13.08% 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 0.27% 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 98.85% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Spokane, WA 99216
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1948
- NCUA Charter #
- 67264
- RSSD ID
- 820673
- Members
- 104,357
- Potential members
- 3,342,800
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 13.08% | 10.89% | 79th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.72% | 0.89% | 36th below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 5.54% | 8.07% | 27th below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.73% | 3.45% | 70th above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 76.24% | 70.59% | 29th below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.40% | 1.68% | 73rd above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.27% | 0.68% | over 90th top |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.13% | 5.12% | 50th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 98.85% | 88.03% | 83rd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$1.97B total assets against $2.02B; $1.62B total shares and deposits against $1.69B; $1.60B total loans against $1.68B.
$257.5M net worth against $244.7M.
13.08% net worth ratio against 12.13%.
98.85% loan-to-share ratio against 99.41%.
0.27% delinquency ratio against 0.20%.
0.72% return on assets against 0.63%; 5.54% return on equity against 5.16%.
3.73% net interest margin against 3.50%.
104,357 members against 108,802.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.08% | 0.72% | 0.27% | 98.85% |
| March 31, 2026 | 12.68% | 0.55% | 0.14% | 96.01% |
| December 31, 2025 | 12.36% | 0.68% | 0.24% | 96.97% |
| September 30, 2025 | 12.22% | 0.83% | 0.23% | 96.79% |
| June 30, 2025 | 12.13% | 0.63% | 0.20% | 99.41% |
| March 31, 2025 | 12.11% | 0.42% | 0.13% | 100.21% |
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.