# NEW HORIZON
Barberton, OH · NCUA charter 616 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/new-horizon-616

Who the members are: federal charter, community charter, organized 1935, low-income designated. 3,208 members of 541,013 potential (0.6% of the field); checking penetration 52% (share draft accounts per 100 members); loans per 100 members 66.

**Verdict on the desk:** this could be *fortress*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $43.0M |
| Members | 3,208 (4.5% YoY) |
| Full-time staff | 15 |
| Net worth | $5.9M |
| Net worth ratio | 13.7% (p42 of band) |
| ROA (annualized) | 1.45% (p84 of band) |
| Total delinquency | 0.42% (p41 of band) |
| Net charge-offs (annualized) | 0.81% (p82 of band) |
| Loans / shares | 79% (p80 of band) |
| Cash / assets | 22.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.89% (p51 of band) |
| Operating expense / assets | 4.76% (p75 of band) |
| Vehicles % of loans | 42% (p28 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.80% (p60 of band) |
| Vehicle NCO | 0.35% (p77 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 46% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 58% |
| Certificates % of member funds | 35% |
| Average share balance | $6,491 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 66% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $13,700 |
| Loans granted, annualized | $9.0M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | members leaving |  |
| 2017-06 | 1 | delinquency rising | members leaving |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 1 | net worth falling | delinquency rising |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 2 | net worth falling |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 0 |  | delinquency rising |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 1 | margin squeeze |  |
| 2021-03 | 1 | net worth falling | margin squeeze |
| 2021-06 | 2 | expense trap, delinquency rising | net worth falling |
| 2021-09 | 0 |  | expense trap, delinquency rising |
| 2021-12 | 1 | expense trap |  |
| 2022-03 | 0 |  | expense trap |
| 2022-06 | 1 | net worth falling |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | margin squeeze, delinquency rising | net worth falling |
| 2023-03 | 1 |  | margin squeeze |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 0 |  | delinquency rising |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | loans>95% of shares |  |
| 2024-12 | 0 |  | loans>95% of shares |
| 2025-03 | 2 | net worth falling, repo signal |  |
| 2025-06 | 0 |  | net worth falling, repo signal |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2022-02-13 [In-school credit union branch gets kids ready for real life: Betty Lin-Fisher - Akron Beacon Journal](https://news.google.com/rss/articles/CBMi8wFBVV95cUxQdVhSRTUzQ0hqVS1TczAwMkwwbU15blV3Z0w2NnJzUWZOVGlhZ3ptdjJEVzVHWDJwcjA3UjBSLTZKd3lmLWpQZzBHbFc4WVRHRmVuRXo2d3ZpRzN6WXNQVHkwdFotN29IVkhYRTdyV29NalQ1X25jOUwyV3huUU9zcHhGVEZTRXdzbjFjbWVsWGZfWXliVmpwRFF1UzNoVXZlSXgwcUgwUGREQ0dqbHRLRk80OW9jcjNVcWR1cHBPbHo5MkVNbFg0TF9XVnpGeXBiSWNnSUlGY0VpY3dLMWRkS3h3OVJveURqcXpuWjNyRlFhZjQ?oc=5) · Akron Beacon Journal
- 2026-04-28 [Canton-area credit unions make case for continued federal funding - Canton Repository](https://news.google.com/rss/articles/CBMivAFBVV95cUxOaXBwc1dSQXNJMmhmOGtKUEp5c0JSU2tnckdZYXRZdndoVThpX01wYlhuVThvVGVuZS1YOFpCM0xDUHppMFQwQ1o0bURvbnU1SC1saTJPN1BiZk5ucDQ5eFN6clBzLW9VNDVhZ2haaWlSZEFIUlRwdmE3VVF4empFcVBvUlZJamZ2NHV4MTlWZmdDS2Q1WUQ1NTAxSURzNmc5QjI4bVAxYnFHbXFwVHJjNlVLTWhPdjFHVjFsRw?oc=5) · Canton Repository
- 2026-03-05 [Kemba Credit Union buys property to open larger branch - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQSU5FMzlKMk9fRWg3elJkVEtzWlR2TVIxcmpjeHYyOVoxXzBYNHA1R2Nya05TUjJyTjBnOGpLR014NGZSRkw3REJ3VTFSMUNxaE9vSmtsY1dvWFRPWTUwRkMtWWVwZEhCT0lQRGxyX0xqTkJHZlhmTEhKOFBnOUJVUnhMMzA2a1lkSHNBekdqTmpNS0MwQzM2akh4ZUs0Y3lGZ2JIQzE5bW4?oc=5) · The Business Journals
- 2022-09-09 [George W.M. Thompson Jr., church founder, senior pastor, and philosophy professor at East Stroudsburg, has died at 90 - Inquirer.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPTXp5UFVwdDhpTW14SEs2TGJ1N1ktOThpZFgtV2JvN0ZXZjZwdGpnXzZUWFdJWTVvSEpsQ05UMkh6V0RBODVpeDE2WjlYbkdjWXBMOVZCcjRnUDR4ejRzNVNiMzdtWXUxSk93bzhGSDdRRDRULVkyUlloaFNJdUJnc1VQNEVIV1VFZ0ZmVFBPVFVmaW1WbjZpbzNiS0stMER5RjQ2SVVoSXU3RktFcGRfSDhtODIxcE9GYWUtbmIyTFU?oc=5) · Inquirer.com
- 2022-08-19 [George W. M. Thompson Jr. Obituary - Pocono Record](https://news.google.com/rss/articles/CBMiYEFVX3lxTE04WnVrVVY5YjRMU3pKbFktTGFtNUNxSFRSVDg1dFE0UDFfVkg2anVuV0lRLWRzbzFnY0ZPN2RRVzQ4bjRwMmNKeGJUZThYdk1JOE5ncmNHakZQLTJSOENONQ?oc=5) · Pocono Record
- 2009-12-21 [Christopher Czebatul - AL.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxPOFdyZ2pJNmlkMXQ2X0M1ZVRCV2xIT1BjYkhPY3k3N2hrb0stLS1IcmxQLU9xX2xsbmo0LWkzaUNUd0pFMnJGdURRYkJvcFpoWjN4S0RrQ3lweWZnUlF1X0pLaFNxYTZsS2FWODNfTXZGYUNsT3pCN25XSU14cFhqZGVLUEVhbTVZVWVkZVNFZXZVUQ?oc=5) · AL.com
- 2010-03-04 [Sherri M. Mcneal Obituary Mar 4, 2010 - Baird Funeral Home](https://news.google.com/rss/articles/CBMiaEFVX3lxTE01TEhydUhpRDZhdFJqcGNBSVdYdkhlLU5DTjYzSE5KcEN3Znlsc1NMcUF2Z0ppTW4yUkdReGJhOF9vVmRISFdCWXRFV0NDV3lJY0duZ0t4dGttN1hCS09PZWRfaTlQVnBL?oc=5) · Baird Funeral Home
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - imore.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · imore.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=616 (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/40.json (key "616", 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=616
- 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