Side-by-side · Q2 2026 data
Horizon Bank vs United Federal Credit Union
Metric by metric
| Measure | Horizon Bank | United Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 75 (stronger) |
| Capital cushion | 55 | 69 (stronger) |
| Loan quality | 77 (stronger) | 76 |
| Earnings | 90 (stronger) | 80 |
| Funding & liquidity | 58 | 68 (stronger) |
| Problem-loan coverage | 91 (stronger) | 90 |
| Peer percentile | 66th | 75th |
| Total assets | $6.5B | $4.4B |
| Deposits / shares | $5.5B | $3.7B |
| Capital ratio | 10.52% | 11.94% (stronger) |
| Problem loans | 0.70% (stronger) | 0.71% |
| Net charge-offs | 0.05% (stronger) | 0.61% |
| Return on assets | 1.75% (stronger) | 1.50% |
| Loans ÷ deposits | 89.7% | 88.4% (stronger) |
| Uninsured deposits | 26.2% | 18.0% (stronger) |
| Offices | 74 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.7% | — |
United Federal Credit Union has the higher TellerScore (75 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Horizon Bank leads on 3 and United Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Holland, MI
- Benton Harbor, MI