Side-by-side · Q2 2026 data
Clearwater Federal Credit Union vs Horizon Credit Union
Metric by metric
| Measure | Clearwater Federal Credit Union | Horizon Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 75 |
| Capital cushion | 78 | 81 (stronger) |
| Loan quality | 78 | 91 (stronger) |
| Earnings | 65 (stronger) | 46 |
| Funding & liquidity | 71 (stronger) | 61 |
| Problem-loan coverage | 92 | 95 (stronger) |
| Peer percentile | 79th | 75th |
| Total assets | $1.2B | $2.0B |
| Deposits / shares | $945.2M | $1.6B |
| Capital ratio | 12.83% | 13.08% (stronger) |
| Problem loans | 0.67% | 0.27% (stronger) |
| Net charge-offs | 0.34% (stronger) | 0.48% |
| Return on assets | 1.12% (stronger) | 0.64% |
| Loans ÷ deposits | 89.2% (stronger) | 98.9% |
| Uninsured deposits | 5.9% (stronger) | 8.1% |
| Offices | 11 | 27 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.9% | — |
Clearwater Federal Credit Union has the higher TellerScore (76 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Clearwater Federal Credit Union leads on 5 and Horizon Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.