Credit Union Safety Analysis
Is Horizon Utah Federal Credit Union Safe? Farmington, Utah
Based on its Q2 2026 NCUA 5300 call report, Horizon Utah Federal Credit Union has a net worth ratio of 11.54%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.91%, 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 Utah Federal Credit Union's net worth ratio is 11.54%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.54%
- Delinquency ratio (60+ days) (Q2 2026): 0.91%
- Return on assets (Q2 2026): 0.38%
- Loan-to-share ratio (Q2 2026): 55.57%
Horizon Utah Federal Credit Union (NCUA charter 24746, established 1956) reported $185.2M in assets and 12,392 members for Q2 2026 from Farmington, Utah. It ranks 18 of 50 credit unions in Utah by total assets. Total assets grew 3.3% from $179.4M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 11.36% for Q1 2026; 11.95% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.73% for Q1 2026; 1.43% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: -0.64% for Q1 2026; 0.47% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 54.87% for Q1 2026; 57.84% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $44.5M
- Used vehicle loans: $32.5M
- Unsecured credit card loans: $4.4M
- Other secured non-real estate loans and lines of credit: $3.6M
- New vehicle loans: $2.7M
- Other unsecured loans and lines of credit: $2.4M
- Commercial loans: $10K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $185.2M | 11.54% | 0.91% | 0.38% | 55.57% |
| March 31, 2026 | $186.7M | 11.36% | 0.73% | -0.64% | 54.87% |
| December 31, 2025 | $184.8M | 11.64% | 1.52% | 0.51% | 56.33% |
| September 30, 2025 | $181.5M | 11.72% | 1.41% | -0.38% | 57.65% |
| June 30, 2025 | $179.4M | 11.95% | 1.43% | 0.47% | 57.84% |
| March 31, 2025 | $181.1M | 11.72% | 1.63% | -0.43% | 58.77% |
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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.
Horizon Utah Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24746) · FFIEC NIC profile (RSSD 397595)
Frequently asked questions
Is Horizon Utah Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Horizon Utah Federal Credit Union's net worth ratio is 11.54%, above the 7% NCUA threshold for well capitalized.
Is Horizon Utah Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Horizon Utah Federal Credit Union is a federally insured credit union (NCUA charter 24746): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Horizon Utah Federal Credit Union's key safety ratios?
For Q2 2026, Horizon Utah Federal Credit Union reports net worth 11.54%, delinquency 0.91%, ROA 0.38%, loan-to-share 55.57%.
What happens to my money if Horizon Utah Federal Credit Union fails?
For Q2 2026, Horizon Utah Federal Credit Union held $162.2M in shares and deposits for 12,392 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.