# FAMILY HORIZONS
Indianapolis, IN · NCUA charter 64942 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/family-horizons-64942

Who the members are: state charter, organized 1954. 8,972 members of 30,000 potential (29.9% of the field); checking penetration 55% (share draft accounts per 100 members); loans per 100 members 70.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $93.8M |
| Members | 8,972 (-8.1% YoY) |
| Full-time staff | 22 |
| Net worth | $10.3M |
| Net worth ratio | 11.0% (p31 of band) |
| ROA (annualized) | 0.07% (p16 of band) |
| Total delinquency | 0.33% (p31 of band) |
| Net charge-offs (annualized) | 0.73% (p81 of band) |
| Loans / shares | 70% (p69 of band) |
| Cash / assets | 19.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.99% (p68 of band) |
| Operating expense / assets | 4.75% (p84 of band) |
| Vehicles % of loans | 74% (p94 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 48% |
| Third-party paper % of net worth | 401% (p99 of band) |
| Vehicle delinquency | 0.19% (p24 of band) |
| Vehicle NCO | 0.75% (p75 of band) |
| Repossessed % of vehicle book | 0.00% (p38 of band) |
| Real estate % of loans | 7% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 19% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 16% |
| Average share balance | $6,074 |
| Participations bought / yr | $30.2M |
| Participations sold / yr | $0 |
| Participations outstanding | $32.0M |
| Loans outstanding per 100 members | 70% |
| Loans granted per 100 members, annualized | 38% |
| Average loan balance | $9,249 |
| Loans granted, annualized | $31.8M |

## Participation posture (from the same filings)

Bought $30.2M and sold $0 in the latest annualized quarter; $32.0M outstanding purchased (310.8% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares -2.4% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | 3rd-party paper>100% NW, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | assets shrinking |  |
| 2017-09 | 2 |  | assets shrinking |
| 2017-12 | 2 |  |  |
| 2018-03 | 3 | delinquency rising |  |
| 2018-06 | 6 | net worth falling, loans>95% of shares, leaning on borrowings |  |
| 2018-09 | 2 |  | delinquency rising, net worth falling, loans>95% of shares, leaning on borrowings |
| 2018-12 | 3 | assets shrinking |  |
| 2019-03 | 4 | loan book shrinking |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 5 | members leaving |  |
| 2019-12 | 5 | net worth falling, delinquency rising | assets shrinking, loan book shrinking |
| 2020-03 | 6 | leaning on borrowings |  |
| 2020-06 | 7 | margin squeeze |  |
| 2020-09 | 7 |  |  |
| 2020-12 | 4 |  | members leaving, net worth falling, delinquency rising |
| 2021-03 | 2 |  | leaning on borrowings, margin squeeze |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 5 | expense trap, assets shrinking, leaning on borrowings |  |
| 2022-12 | 5 | members leaving, loans>95% of shares | expense trap, assets shrinking |
| 2023-03 | 5 | assets shrinking | loans>95% of shares |
| 2023-06 | 5 |  |  |
| 2023-09 | 6 | delinquency rising |  |
| 2023-12 | 7 | loan book shrinking |  |
| 2024-03 | 6 |  | assets shrinking |
| 2024-06 | 5 |  | members leaving |
| 2024-09 | 5 |  |  |
| 2024-12 | 7 | net worth falling, members leaving |  |
| 2025-03 | 4 |  | leaning on borrowings, delinquency rising, net worth falling |
| 2025-06 | 5 | delinquency rising |  |
| 2025-09 | 5 | assets shrinking | delinquency rising |
| 2025-12 | 4 |  | loan book shrinking |
| 2026-03 | 4 | net worth falling | assets shrinking |

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

- 2026-01-08 [Wright retires, Reed named new CEO/President of Family Horizons CU - CUInsight](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNNGNYb3llVUtUeXJBY3dhRXI3c0lXcnNCM0JyN2hBVEUxNi1kWnFfc1kweUlvcXVFN3JtQzRjT1ZRMmgyLW1TVlVQZWdPRU9VQUc4LVNhSTFYZlJhbm43X3MxdE9QRXROTkFYYkV2UzFkZU5hWTRJWUJLZGJBdWlpX0JITDYzSnBtU1FrZHotUHhKdVdtOUhRbE1XMnpIYmJnTHFJVzVPdWRtZw?oc=5) · CUInsight
- 2026-03-04 [6 Credit Unions in 5 States Appoint New CEOs - CUTimes](https://news.google.com/rss/articles/CBMihwFBVV95cUxQUmk1VnNUSWhkQXVMQVBpbDRhTE8tVjZmaFNPWkpmYkpXbW1FZnBvN2R2SlBJTnk0M2VyU08zNnNVUlpSTXV5UVpaTzBMMHNxcW9GNHhWTHdVNHZJZnlfV01uN2dZcjZzSm9Zd3k3OHVsY3ZBb2JqS09YbVRQNW1HWEJIUkU3Y00?oc=5) · CUTimes
- 2021-02-22 [Best Places to Work in Indiana Companies Named for 2021; Chamber Will Announce Rankings May 6 - Indiana Chamber](https://news.google.com/rss/articles/CBMiwgFBVV95cUxQZDgxMzBpbFNPVzN3c19xX1VlbjFuY3BtaU41ZlNQZHZlOVFGR0xXaWpVSk9UaFhSSW1FNVFpcV9FRWZlUlkyLTNfU3JiXzFHcll3ODlwc2FNaVRWNEphV1A3V0JtZG43S1RPcVFLcV9ITjV0SndoTVNiUFNaUUU5NWN0M3R4RHlUWlJtR29SNnBZWTVsYW56QTNNMDB2V2UzZUVQZXhObTc4dFQwQzdXbjhyOG9mYXR6LUpmOEY5UVBtQQ?oc=5) · Indiana Chamber
- 2018-03-05 [Katrina Miller Obituary - Beech Grove, IN - Dignity Memorial](https://news.google.com/rss/articles/CBMihwFBVV95cUxOZ00xYVNsSmR5Y1FGTmV6MGJiM3dZYUFaVVRGMThPMDJwS1lEYkRoVk1BNFdTd0ExbGhpNjdzeUR0TW1UaWdnbUNlSG81RFRBcmZIcEdJOS1vU01KaEJnaDQ1WXZLckNvRnVlMUFKczZldm1JaDNrTk8zZW5yZG9CUndFcjJmV1U?oc=5) · Dignity Memorial
- 2017-01-05 [FBI asks for help identifying robbery suspect - IndyStar](https://news.google.com/rss/articles/CBMipwFBVV95cUxNZGNfSFl4RUZzN0FaeGhZTjFBaVVNdjVsQlZIXzY2SzRXclNEbXhPNFlJb3BTeDE5bVFvSVl1YlRBbXVtX0dHc0gzdWVxQlFVRUotQ2t3Q1F1QmxUQUZSN09CQ1JxcVVuWmVUYUtqaWI5MEtMR3RSYjNhSHhXV1YwRXUzN05VLUZiVGVsOHE4eW1Wc1hhb3NvSFUwSldnQ3hpdEZNMUpNSQ?oc=5) · IndyStar
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - iMore](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · iMore
- 2012-09-20 [Tina Lewis Obituary (2012) - Indianapolis, IN - The Indianapolis Star - legacy.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxQS20zb2JNUXJQcUVnc1lRdWVCbHAtOURkYUFZNTRPVjVUSUdWalFndVZ6Vi11ODJhY29Da3JRc3F3MjBmV2JtQlRJanpFbWJIWm9uRzN2dmo1RGtvNVZzZklPblM4NU1nOTRMOFZCMUpMSWcxc29xUGNRMExwa1F3NGlJODJJcDZncUE?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64942 (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/46.json (key "64942", 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=64942
- 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