Credit Union Safety Analysis
Is Horizon Credit Union Safe? Spokane, Washington
Based on its Q2 2026 NCUA 5300 call report, Horizon Credit Union has a net worth ratio of 13.08%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.27%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Horizon Credit Union's net worth ratio is 13.08%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.08%
- Delinquency ratio (60+ days) (Q2 2026): 0.27%
- Return on assets (Q2 2026): 0.72%
- Loan-to-share ratio (Q2 2026): 98.85%
Horizon Credit Union (NCUA charter 67264, established 1948) reported $1.97B in assets and 104,357 members for Q2 2026 from Spokane, Washington. It ranks 14 of 73 credit unions in Washington by total assets. Total assets fell 2.3% from $2.02B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 12.68% for Q1 2026; 12.13% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.14% for Q1 2026; 0.20% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.55% for Q1 2026; 0.63% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 96.01% for Q1 2026; 99.41% for Q2 2025.
Loans by type, Q2 2026
- Other secured non-real estate loans and lines of credit: $628.0M
- 1- to 4-family residential and other consumer real estate loans: $419.9M
- Used vehicle loans: $363.1M
- New vehicle loans: $103.1M
- Commercial loans: $57.7M
- Unsecured credit card loans: $20.7M
- Other unsecured loans and lines of credit: $8.5M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $1.97B | 13.08% | 0.27% | 0.72% | 98.85% |
| March 31, 2026 | $2.00B | 12.68% | 0.14% | 0.55% | 96.01% |
| December 31, 2025 | $2.03B | 12.36% | 0.24% | 0.68% | 96.97% |
| September 30, 2025 | $2.04B | 12.22% | 0.23% | 0.83% | 96.79% |
| June 30, 2025 | $2.02B | 12.13% | 0.20% | 0.63% | 99.41% |
| March 31, 2025 | $1.99B | 12.11% | 0.13% | 0.42% | 100.21% |
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Free to use. It shows Horizon Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 67264) · FFIEC NIC profile (RSSD 820673)
Frequently asked questions
Is Horizon Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Horizon Credit Union's net worth ratio is 13.08%, above the 7% NCUA threshold for well capitalized.
Is Horizon Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Horizon Credit Union is a federally insured credit union (NCUA charter 67264): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Horizon Credit Union's key safety ratios?
For Q2 2026, Horizon Credit Union reports net worth 13.08%, delinquency 0.27%, ROA 0.72%, loan-to-share 98.85%.
What happens to my money if Horizon Credit Union fails?
For Q2 2026, Horizon Credit Union held $1.62B in shares and deposits for 104,357 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.