# HORIZON
Williamsport, PA · NCUA charter 10687 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/horizon-10687

Who the members are: federal charter, community charter, organized 1955, low-income designated. 14,900 members of 650,249 potential (2.3% of the field); checking penetration 71% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $152.4M |
| Members | 14,900 (1.2% YoY) |
| Full-time staff | 60 |
| Net worth | $13.5M |
| Net worth ratio | 8.8% (p12 of band) |
| ROA (annualized) | -0.22% (p7 of band) |
| Total delinquency | 1.86% (p92 of band) |
| Net charge-offs (annualized) | 0.83% (p84 of band) |
| Loans / shares | 68% (p47 of band) |
| Cash / assets | 20.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.04% (p73 of band) |
| Operating expense / assets | 6.30% (p98 of band) |
| Vehicles % of loans | 45% (p64 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 17% |
| Third-party paper % of net worth | 52% (p56 of band) |
| Vehicle delinquency | 2.94% (p95 of band) |
| Vehicle NCO | 1.48% (p85 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 4% |
| Core shares % of member funds | 94% |
| Certificates % of member funds | 2% |
| Average share balance | $4,688 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $13,250 |
| Loans granted, annualized | $24.0M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 4 | expense trap, 3rd-party paper>100% NW |  |
| 2017-06 | 4 | delinquency rising | net worth falling |
| 2017-09 | 4 |  |  |
| 2017-12 | 3 |  | losing money |
| 2018-03 | 3 | thin capital | expense trap |
| 2018-06 | 5 | net worth falling, delinquency 2x band |  |
| 2018-09 | 1 |  | delinquency rising, thin capital, net worth falling, delinquency 2x band |
| 2018-12 | 2 | delinquency 2x band |  |
| 2019-03 | 2 | expense trap | delinquency 2x band |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 2 |  | net worth falling |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 5 | thin capital, net worth falling, margin squeeze, delinquency rising | expense trap |
| 2020-09 | 4 | expense trap | net worth falling, delinquency rising |
| 2020-12 | 3 |  | expense trap |
| 2021-03 | 4 | net worth falling |  |
| 2021-06 | 2 |  | margin squeeze, net worth falling |
| 2021-09 | 3 | delinquency 2x band |  |
| 2021-12 | 4 | expense trap |  |
| 2022-03 | 5 | net worth falling, delinquency rising | delinquency 2x band |
| 2022-06 | 3 |  | 3rd-party paper>100% NW, net worth falling |
| 2022-09 | 3 | delinquency 2x band | delinquency rising |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | delinquency rising | thin capital |
| 2023-06 | 2 |  | delinquency 2x band |
| 2023-09 | 3 | delinquency 2x band, assets shrinking | delinquency rising |
| 2023-12 | 2 |  | assets shrinking |
| 2024-03 | 5 | net worth falling, losing money, delinquency rising |  |
| 2024-06 | 3 |  | net worth falling, losing money |
| 2024-09 | 2 | losing money | delinquency 2x band, delinquency rising |
| 2024-12 | 3 | net worth falling |  |
| 2025-03 | 2 |  | losing money |
| 2025-06 | 2 | delinquency 2x band | net worth falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 5 | net worth falling, delinquency rising, members leaving |  |
| 2026-03 | 6 | thin capital, losing money | members leaving |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-26 [Horizon Credit Union to close, remodel Boise’s Orchard branch - Idaho Business Review](https://news.google.com/rss/articles/CBMipgFBVV95cUxOd2YwTW5WNHFFYVNJeWlWNWFma0czZE5RNWhZZnVvUmNaOFFRSURZcExmblhHcHhSck1BM2tNRDRhMTFXN1pYNnd1V1ZCckZNLXJVYnlYUm1sbThiREw0bnBnUlVXclhSM2IwMFpCVVllY2VXbVE1Nmt6QUx1SUtNNTM3OTVFQVFUYWRQYno0OUk4Z0R3dVY1TXBhNGlYaFNXWHpUUTNn?oc=5) · Idaho Business Review
- 2026-09-03 [PA CareerLink Lycoming County opens new downtown location - news-graphic.com](https://news.google.com/rss/articles/CBMi9AFBVV95cUxOSTNENW81a1dFS1RERllubk8zcFhKR0lzRURjdm8wemloX0dqNklobEFOc2wzallsd0hnV3BnUVRzaWcyeUNsZzlFcGkxcEZhM0FRLVdhdDhkdmZmSTYzWE9uclFHOXhxZTBncjU5MW95dlhVQk9kbnhYU1l3MlhRWGdUT0VWcmtUTUM4SUFSSkpaaEZiMHNhXzNjS0RoenhEU1ZmcmVkSWtMSEpCMmwxS0VvUUgzVlRHZ0NtMlpjaTl0Q2thdHNOSjNHZTRmX1VPZXlPMW1FaGVJWUtKZDRfUHNwT1k1emRHWTJFV0Vzb1BVTWE4?oc=5) · news-graphic.com
- 2026-09-03 [PA CareerLink Lycoming County opens new downtown location - Iosco County News Herald](https://news.google.com/rss/articles/CBMikAFBVV95cUxPM29XSUxYQmtrOGJsdEFwMTVKRzd5cGVmNkJkWXVnUU1kQWV4RWNfajlfa2Z1dHN5ZmhlUFBIX1dReXM0TUhla1lOYjlvalpmMDFLMjE1dFNtVnlIRHpnV1ZUUUk0VWdLOVFVdlNSdlNxWlZ2S1Q1UmJKTWNqdExNQWdyMTBVNjhjLXYwNUl2cmE?oc=5) · Iosco County News Herald
- 2026-09-03 [PA CareerLink Lycoming County opens new downtown location - rochsent.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQSl9KczZIa3Y0QTJhcWt4ZXRiSE9CY0F0akQ1ajUxcTBqQTV1TVMzdGhDS3pzQkJNWTRaejA3b3JwRmRaTEh2WC1ZY1hkQjlNeTNuZFRzNUZkeGM1UnBCQVhPdEJWZlNraVBaUHhJblVEMlFjUk1nWmhabWpocnpoOUdCZTlKYThHdXpKYnhfZFlNd2Y0aHVQNkozLVp2TFVtX1pOQzZubzZuOVYzX0V6WmFKT1pMWUZTZ2hBYTUzY2xjTUFYSDRHdHUySjFzejMyR3ZuQjRqZ2IxZmZSTG5n?oc=5) · rochsent.com
- 2026-09-03 [PA CareerLink Lycoming County opens new downtown location - Rockdale Citizen](https://news.google.com/rss/articles/CBMi7gFBVV95cUxQM25wNDM5bndURC11RlRXdEFXTlhTZ1Y2U0hhVWdRaTFYOVhTNFZXdE5TRS1BUG9aWEtaeE5kZjBYNm4yazE2RTBDdWtvdC1vbmhvM2hiRUQ4ZmFzdTh2V0tyeHY3VG9LQl9IS3ZaWXJhQjNxOXZaRnhqSk5iN2NkYnZidkxROTBGQUFXWWRuN3k3ZUk5SmppdTlORV9ZX2pTbWRpbWdidkRqZVBLY0x1NGRnSEVsWkF1UVVCSEkxZXdXdlhXc3JpYTVUemNrcmUwVUpLTHhZNFNkWnpHRmdnWG5mNXdRZU4xbUstbkdB?oc=5) · Rockdale Citizen
- 2025-12-14 [Students experience financial reality with help from local credit union - NorthcentralPA.com](https://news.google.com/rss/articles/CBMi9AFBVV95cUxPendWZHA4aWpzbEFIai1VS1hMc0x4Snpmc1VqWnc5dXh0SjRtLUpfRElpWTVzTC0yZXg3dkp1UDJvaWx0SlNJaUgxQTM5bFc1SUNVM003UWdRQUI1RjFnNnU0RkZOekRrMnVGeURDWEcxWUZJdzdjM2F0U2I2QURtSFdJZ2cyRTZJelRjSTBLbkhDRDN2TjFKOVhPVmdobXF5NkNodG9JVFkzZzZnTWU0UGxqY3QxZ1F5VzdrTDBFRW56cXExSFB0b0EzSlRFVzZCTG9LMmh4bkdIbUpBbXpBTklpLWtTUmhVcUl1QURNT1o5ckVT?oc=5) · NorthcentralPA.com
- 2021-11-03 [Horizon Federal Credit Union continues to grow - - Williamsport Sun-Gazette](https://news.google.com/rss/articles/CBMirwFBVV95cUxQcVRETlZ1T2xlbnhrVEVhVUF3b2VySmVzSm10ZG1zYlpwd3l2NGxlSkZQRm9OdzFyV3k5blhlUFNwb3NtY1EtdGh2NF83VUdBM29CYldEalJCQW9tYXk4RzRjcFdPd0xFRHhLTEZ6R09nNTFaU2N0NVFLVDZtN2ZFeFlENHZpTjg0VVpkei1adEFOV19EbXRNd1FIM0h5QkI0OHpJd2hCeldKemR4NmN3?oc=5) · Williamsport Sun-Gazette
- 2024-06-17 [This checking account earns 8% APY — with a catch - CNBC](https://news.google.com/rss/articles/CBMic0FVX3lxTE5vRmtON240SlZhS094WUkxbUpNc1JmTkdDUm9EU09EYnpRV2JFTnF5cmVQeVpieDktM01lZEdyM1pDYXNVUVp1NEFRaDVrdFZBUHB5TUlGcXBQUFVMNzlwWGYtUWxOQ2RpbEV3VUs4Y3Y1T1nSAXhBVV95cUxNS1hRTVVXQWRMN2U3VTltY3FGY0ZTLXNlQTZsemxLdmM4MEZDN3lTdENrTTJ2MmdQb1VpX1NZTzBKZkJNV1k5UXlUQ0FaamJldGtXUnhUSjhueWV4UWVfcGdaVTJBVGlWNGlscmNUYUNHbElFYy1UNVI?oc=5) · CNBC

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10687 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/63.json (key "10687", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=10687
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide