# FINANCIAL HORIZONS
HAWTHORNE, NV · NCUA charter 86755 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/financial-horizons-86755

Who the members are: state charter, organized 1947. 14,443 members of 28,000 potential (51.6% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $314.1M |
| Members | 14,443 (5.3% YoY) |
| Full-time staff | 52 |
| Net worth | $39.6M |
| Net worth ratio | 12.6% (p68 of band) |
| ROA (annualized) | 1.55% (p91 of band) |
| Total delinquency | 0.08% (p4 of band) |
| Net charge-offs (annualized) | 0.18% (p26 of band) |
| Loans / shares | 61% (p24 of band) |
| Cash / assets | 14.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.36% (p37 of band) |
| Operating expense / assets | 2.70% (p17 of band) |
| Vehicles % of loans | 56% (p88 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 78% |
| Third-party paper % of net worth | 204% (p81 of band) |
| Vehicle delinquency | 0.08% (p9 of band) |
| Vehicle NCO | 0.41% (p37 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 20% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 51% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 18% |
| Average share balance | $10,840 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $28,774 |
| Loans granted, annualized | $52.3M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | net worth falling |  |
| 2018-03 | 1 |  | net worth falling |
| 2018-06 | 2 | delinquency rising |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 1 |  | delinquency rising |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | margin squeeze |  |
| 2020-09 | 3 | net worth falling |  |
| 2020-12 | 2 |  | net worth falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 | net worth falling | margin squeeze |
| 2021-09 | 1 |  | net worth falling |
| 2021-12 | 2 | delinquency rising |  |
| 2022-03 | 1 |  | delinquency rising |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 2 | delinquency rising |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | delinquency rising |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | delinquency rising |  |

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

- 2017-03-03 [Reuter celebrates 40 years with Financial Horizons Credit Union - Mineral County Independent News](https://news.google.com/rss/articles/CBMingFBVV95cUxQcVNIVkF5TGNXemNKVmdFMDRIdXlaUVRWcGlIY0pkSnptd1B4NHBsRVBJNWlNU2tnYno4QXY4YXRSVFVma3p3QU4wTUVTa2w5OVhqQWMxY0VobTZncXlaS2d2TUt5cFMxcE83czdVelMtVldhNEExYzhOdmtGYnlPbHR6SUY4LV84WXlXNTgxQ2FRUDhZU2lyOUt6V3luQQ?oc=5) · Mineral County Independent News
- 2023-05-10 [Bighorn news: Proms and planning - Nevada Appeal](https://news.google.com/rss/articles/CBMihAFBVV95cUxPa19uR0p2RE44cnhoNHhEd244T01tc0libzliNWZjMjZpQ2ZFc0lKOTRlUDM5MjhEbXVvOUVMc01JcHVXNTI4R19oWVZjdmt6OWdyMVUtR3FRRkNhV1JOWlNiNko5T1V3bnlIZXIxRGJlT3drQnpvSEZ1Nk5YU1ZSLTU5U3E?oc=5) · Nevada Appeal
- 2015-03-10 [Tibbals enters no contest plea for credit card fraud - Reno Gazette Journal](https://news.google.com/rss/articles/CBMitwFBVV95cUxNbzJtcWNvSTB5X1lwQzgya01SNHZPcktQVmc3R2h6YTJEcnpKVTdZS0dVSjBNbjVxSnYzUXF1Zk8wODN3dXJTWXl2U0xyZU5wRmFhU3JhczkzdW5QVndIcFZ4a3h0Um1vWUJLTWlDTmthV1BQYk9vckZIbFlHSkdaZlJPd3JOY3hnVjFYS2lleUlESUc2bnVvUUZXT2FZeVFHNGo4V1pNbmRYbXRPS1Q0VnktOTNrZ1U?oc=5) · Reno Gazette Journal
- 2026-08-25 [Fallon Cantaloupe Festival returns this weekend - Nevada Appeal](https://news.google.com/rss/articles/CBMimgFBVV95cUxNalpTeTVITGtLNmp6WmhzYk1YdjBENTNYQk52dHg2S0dGbVZvNU13RnhlcWIxelZJbEkwUE14bFFFM0FDOVpwaFNzaDgxSndxVThBaXBGOGhfa09BRm1KYlFZVEVydTFNY0xORkc1OWlHSDZJVWdObV9CQ2c3U2ZHNG9XSExWazZzUVFpRUV2UGlBekYxZ0NhTVJ3?oc=5) · Nevada Appeal
- 2006-01-08 [Joshua Farler Obituary (1985 - 2006) - Bakersfield, CA - Bakersfield Californian - legacy.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOX254cHI4aUx1eFFkN3hiMklOa09CTUl1Wk4xc0JTMzd6cGh1V0YzRFlyRDZsWVN4S2x2ZUR0V3hMYTNvSlJ6SXk4YkhpdEJrSzZheTBVVXNpRlNPR3NaWlFibkpHbjhHdkZrMExnWEttME5IclFpRmZUdVdoSFB5YlRxY1dPcHRBSlVJOThudVZvUQ?oc=5) · legacy.com
- 2025-05-21 [2025 Oasis Academy College Prep scholarships - Nevada Appeal](https://news.google.com/rss/articles/CBMilgFBVV95cUxQMVhZd1JvU2xEeFRkN1ZQaWszYUZkM3ZyTGkxeEJScm5sbmhJOEFjQkhURXEySkNmdGg5enJadEw2MUl1b3F6eDVENzA1RWMxNzJORnlucjE0MkFOaUxHNDIyYTdXa183RGlHa3YzNncyb3J1djM5NnBDRUNMVEdiUUtjcF82WnVuWk0xN3NJcS1xa1VDaWc?oc=5) · Nevada Appeal
- 2025-08-12 [Fallon Community Day sets up students for success - Nevada Appeal](https://news.google.com/rss/articles/CBMinAFBVV95cUxQczlvLUxHcExaZnpnUEdMSEdoRWR6UUJfR1hwT2V4NUhRcEVhRTdXdzRCMjBROG8tM0U0NVlpNW1vVUFXUnRLWkJuQjA0c2o0RHNRMkdvdUpXUVJ0RDdsX2pVWWU1cXJDQTE1YVRPbGJBMlF4ZVZSXzFvY0xVQWxJLXdkN2RhUmEyS2NjTzZudUNEeHdBMDBoRE1tNlQ?oc=5) · Nevada Appeal
- 2025-05-20 [2025 Churchill County High School scholarships - Nevada Appeal](https://news.google.com/rss/articles/CBMimAFBVV95cUxQNnc4U1A3Q19nVjZsNGhvOVpsbU0wMnJIZXJKT3ZzM2cxWGlWWXlnOGZORzhrOHQzaXJwSnZGa1cyM3I1eGdrcW5aZWZ5a3FzTzVzbExLM3J0alk3WlR5RG5weGMxdkZ1b0F6dkp0TWJPV0huQkw4Tk54cTgtR0RadGtlNlJTOUdheXVCMU40SEhEay02STVEZA?oc=5) · Nevada Appeal

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=86755 (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/35.json (key "86755", 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=86755
- 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