Side-by-side · Q2 2026 data
Horizon Bank vs Local 265 Ibew Federal Credit Union
Credit union
Local 265 Ibew Federal Credit Union
Lincoln, Nebraska · Under $100 million in assets
Metric by metric
| Measure | Horizon Bank | Local 265 Ibew Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 54 |
| Capital cushion | 90 (stronger) | 41 |
| Loan quality | 85 (stronger) | 41 |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 59 | 69 (stronger) |
| Problem-loan coverage | 94 (stronger) | 70 |
| Peer percentile | 91st | 13th |
| Total assets | $574.3M | $4.9M |
| Deposits / shares | $474.9M | $4.3M |
| Capital ratio | 13.96% (stronger) | 9.07% |
| Problem loans | 0.46% (stronger) | 1.76% |
| Net charge-offs | 0.05% (stronger) | 0.14% |
| Return on assets | 2.95% (stronger) | 1.20% |
| Loans ÷ deposits | 84.0% (stronger) | 90.8% |
| Uninsured deposits | 30.8% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Horizon Bank has the higher TellerScore (87 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Horizon Bank leads on 6 and Local 265 Ibew Federal Credit Union on 1. 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.