Horizon Utah Federal Credit Union Farmington, Utah
Horizon Utah Federal Credit Union is a federal credit union headquartered in Farmington, UT, established in 1956 (NCUA charter 24746), and it is regulated and insured by the NCUA. At Q2 2026 it reported 12,392 members and total assets of $185.2M (up 3.3% from Q2 2025), the 18th largest of 50 credit unions headquartered in Utah. Its net worth ratio was 11.54% at Q2 2026, in the well capitalized band.
Also written as Horizon Utah FCU · Trade name filed with the NCUA: Horizon Credit Union
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24746
- Headquarters
- Farmington, UT
- Established
- 1956
- Total assets, Q2 2026
- $185.2M
- Assets vs Q2 2025
- +3.3%
- Members, Q2 2026
- 12,392
- Net worth ratio, Q2 2026
- 11.54%
- Latest call report
- Q2 2026, NCUA 5300 · Horizon Utah Federal Credit Union call report
- Asset rank in state
- 18th of 50 in Utah
- Routing number
- 324377011
- Branches
- 5
It has 34 fewer members than on June 30, 2025 (-0.3%). Its net worth ratio was down 0.41 percentage points from 11.95% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $44.5M of $90.1M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.91% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 11.54% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Utah
Frequently asked about Horizon Utah Federal Credit Union
How big is Horizon Utah Federal Credit Union?
At Q2 2026 it reported total assets of $185.2M and 12,392 members.
Where is Horizon Utah Federal Credit Union headquartered?
It is headquartered in Farmington, UT, United States.
When was Horizon Utah Federal Credit Union founded?
It was established in 1956, per NCUA records.
Is Horizon Utah Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24746): 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 Utah Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Horizon Utah Federal Credit Union well capitalized?
Its net worth ratio was 11.54% 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 Utah Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.91% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Horizon Utah Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 55.57% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Farmington, UT 84025
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1956
- NCUA Charter #
- 24746
- RSSD ID
- 397595
- Members
- 12,392
- Potential members
- 500,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 11.54% | 11.43% | 51st above |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.38% | 0.81% | 22nd bottom |
| Return on equity Middle half of peers: 3.87% to 9.84% | 3.32% | 7.02% | 21st bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.36% | 3.70% | 29th below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 80.61% | 76.55% | 35th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 1.33% | 1.24% | 43rd below |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.91% | 0.68% | 37th below |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.69% | 4.92% | 35th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 55.57% | 75.66% | 17th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$185.2M total assets against $179.4M; $162.2M total shares and deposits against $156.4M; $90.1M total loans against $90.5M.
$21.4M net worth against $21.4M.
11.54% net worth ratio against 11.95%.
55.57% loan-to-share ratio against 57.84%.
0.91% delinquency ratio against 1.43%.
0.38% return on assets against 0.47%; 3.32% return on equity against 3.95%.
3.36% net interest margin against 3.31%.
12,392 members against 12,426.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.54% | 0.38% | 0.91% | 55.57% |
| March 31, 2026 | 11.36% | -0.64% | 0.73% | 54.87% |
| December 31, 2025 | 11.64% | 0.51% | 1.52% | 56.33% |
| September 30, 2025 | 11.72% | -0.38% | 1.41% | 57.65% |
| June 30, 2025 | 11.95% | 0.47% | 1.43% | 57.84% |
| March 31, 2025 | 11.72% | -0.43% | 1.63% | 58.77% |
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.