Side-by-side · Q2 2026 data
Horizon Bank vs City of Firsts Community Federal Credit Union
Credit union
City of Firsts Community Federal Credit Union
Kokomo, Indiana · Under $100 million in assets
Metric by metric
| Measure | Horizon Bank | City of Firsts Community Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 71 |
| Capital cushion | 55 (stronger) | 52 |
| Loan quality | 77 | 97 (stronger) |
| Earnings | 90 (stronger) | 30 |
| Funding & liquidity | 58 | 100 (stronger) |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 66th | 42nd |
| Total assets | $6.5B | $38.5M |
| Deposits / shares | $5.5B | $34.7M |
| Capital ratio | 10.52% (stronger) | 10.23% |
| Problem loans | 0.70% | 0.08% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.75% |
| Return on assets | 1.75% (stronger) | 0.24% |
| Loans ÷ deposits | 89.7% | 32.4% (stronger) |
| Uninsured deposits | 26.2% | 0.7% (stronger) |
| Offices | 74 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.7% | — |
Horizon Bank has the higher TellerScore (72 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Horizon Bank leads on 4 and City of Firsts Community Federal Credit Union on 3. 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.