# HORIZON COMMUNITY
GREEN BAY, WI · NCUA charter 66390 · asset band <$50M · latest filing 2016-12 · stopped filing after 2016-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/horizon-community-66390

Who the members are: state charter, organized 1932. 2,726 members of 228,817 potential (1.2% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *ordinary*. 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 | $41.9M |
| Members | 2,726 (– YoY) |
| Full-time staff | 9 |
| Net worth | $6.2M |
| Net worth ratio | 14.7% (p63 of band) |
| ROA (annualized) | 0.12% (p41 of band) |
| Total delinquency | 0.45% (p32 of band) |
| Net charge-offs (annualized) | 0.21% (p43 of band) |
| Loans / shares | 77% (p78 of band) |
| Cash / assets | 16.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.92% (p47 of band) |
| Operating expense / assets | 3.23% (p46 of band) |
| Vehicles % of loans | 9% (p7 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 1.96% (p76 of band) |
| Vehicle NCO | 0.12% (p52 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 87% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 53% |
| Certificates % of member funds | 8% |
| Average share balance | $6,953 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $27,219 |
| Loans granted, annualized | $11.7M |

## 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 |  |  |

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

- 2016-10-30 [Two Wisconsin Credit Unions Announce Merger - cutoday.info](https://news.google.com/rss/articles/CBMihwFBVV95cUxObkhBZU55ZWdvMnRtMlhIX0RvTndRd3dEZGhaMlBFcHZubUNUbF9qOWI5VjFkX3g1MnF5WDREYlU3eHl0WHhRaEEtVmVyZXdlTHRBUDFJUEpLdzkyUnVlTnBNQUR5XzYwbDBmUVB2VEJFTUEwSktZLU9RX2dUSFRGTXZQQzNtV0U?oc=5) · cutoday.info
- 2022-04-28 [Wisconsin credit union targets Illinois bank in 6th such tie-up of 2022 - Banking Dive](https://news.google.com/rss/articles/CBMisgFBVV95cUxPM3AzQ20zN1A2bEMtcXpTUWgxMlRPRmEyQ0RyTUhHU0RCb25GYXEwY1BFTGlFa1hiejNUWUJPcGg1c2VfOEJoYnJwT215UnQ4S2ZkSFNvV01PWnRGX1BRSUlzTUpyTTZGeUhDVFl1SmFzX3BDZkg2cXo5SUtpamZvdVRLYjNDS0dVQWU1LThCc1lmUXRzXy1IS2dpdnFHSFVDVDBPME9NMWxmRFRYU201eHlR?oc=5) · Banking Dive
- 2024-12-18 [Christine Macias – Arizona Financial Credit Union - Blueprint Magazine](https://news.google.com/rss/articles/CBMijAFBVV95cUxNU1lwZUdrQl8tMV84X2xnTnE2T01BVUZXdjNIMkFkX1puOVd1Y2c0LUxuWGV3N0hGWmh3SGY4SkJoNnpjbXFRNWhoa1prU0dpQlF1b29BTUlmc25Ydm9JY3FUOEI1Q1V1LUhFeWRCU0liQThDNm8wU1hwaC1wMW94OHFIeGNVckw1VzhCUw?oc=5) · Blueprint Magazine
- 2018-03-26 [Wisconsin has 7 top performing financial institutions. Which one nabbed the top spot? - Milwaukee Journal Sentinel](https://news.google.com/rss/articles/CBMi-wFBVV95cUxQekNHRThCTC1HYXZQc1FrbDJSR0lQMzF5TS1tOHdkSzJRdjY2aE5KWVItNWV2OUxtNzZJWjRqcjdrbDJvN0dSaS1vWV9aRWVOQnRvWi1JTzNuTGdZWFF1ZmNBcWJleUNOcW5lcndiQ2hKbnEwcmNGcDdiMnN2bjlUVFg5Q2VZcGZiVHBzM19lY2o2c3BUOF9QbUYxbnUtVS1sS2hoQnFYVWo1NEd5ZS1HY0NFUGNaOHcwbm42NmxwbldGUnJLRHFFUnI1dk5TVVZ3X2NKaUdSaDZibktJM1lxYlVRdm5tNTE4M0d4SHNzN183RDlnZzdVN3VZMA?oc=5) · Milwaukee Journal Sentinel

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=66390 (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/22.json (key "66390", 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=66390
- 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