Side-by-side · Q2 2026 data
Horizon Bank vs Members Advantage Credit Union
Credit union
Members Advantage Credit Union
Michigan City, Indiana · $100 million – $1 billion
Metric by metric
| Measure | Horizon Bank | Members Advantage Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 60 |
| Capital cushion | 55 (stronger) | 45 |
| Loan quality | 77 (stronger) | 59 |
| Earnings | 90 (stronger) | 38 |
| Funding & liquidity | 58 | 100 (stronger) |
| Problem-loan coverage | 91 (stronger) | 90 |
| Peer percentile | 66th | 21st |
| Total assets | $6.5B | $132.2M |
| Deposits / shares | $5.5B | $120.5M |
| Capital ratio | 10.52% (stronger) | 9.47% |
| Problem loans | 0.70% (stronger) | 1.23% |
| Net charge-offs | 0.05% (stronger) | 0.09% |
| Return on assets | 1.75% (stronger) | 0.44% |
| Loans ÷ deposits | 89.7% | 42.8% (stronger) |
| Uninsured deposits | 26.2% | 2.7% (stronger) |
| Offices | 74 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.7% | — |
Horizon Bank has the higher TellerScore (72 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Horizon Bank leads on 5 and Members Advantage Credit Union on 2. 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.