Side-by-side · Q2 2026 data
Cheney Federal Credit Union vs Horizon Credit Union
Metric by metric
| Measure | Cheney Federal Credit Union | Horizon Credit Union |
|---|---|---|
| TellerScore | 69 | 75 (stronger) |
| Capital cushion | 50 | 81 (stronger) |
| Loan quality | 82 | 91 (stronger) |
| Earnings | 44 | 46 (stronger) |
| Funding & liquidity | 100 (stronger) | 61 |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 48th | 75th |
| Total assets | $147.9M | $2.0B |
| Deposits / shares | $131.8M | $1.6B |
| Capital ratio | 10.01% | 13.08% (stronger) |
| Problem loans | 0.55% | 0.27% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.48% |
| Return on assets | 0.60% | 0.64% (stronger) |
| Loans ÷ deposits | 57.6% (stronger) | 98.9% |
| Uninsured deposits | 5.4% (stronger) | 8.1% |
| Offices | 1 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Horizon Credit Union has the higher TellerScore (75 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Cheney Federal Credit Union leads on 3 and Horizon Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.