Side-by-side · Q2 2026 data
Horizon Credit Union vs Clarity Credit Union
Metric by metric
| Measure | Horizon Credit Union | Clarity Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 59 |
| Capital cushion | 81 (stronger) | 47 |
| Loan quality | 91 (stronger) | 67 |
| Earnings | 46 (stronger) | 34 |
| Funding & liquidity | 61 | 84 (stronger) |
| Problem-loan coverage | 95 (stronger) | 85 |
| Peer percentile | 75th | 19th |
| Total assets | $2.0B | $235.6M |
| Deposits / shares | $1.6B | $216.6M |
| Capital ratio | 13.08% (stronger) | 9.74% |
| Problem loans | 0.27% (stronger) | 0.99% |
| Net charge-offs | 0.48% (stronger) | 0.78% |
| Return on assets | 0.64% (stronger) | 0.35% |
| Loans ÷ deposits | 98.9% | 76.6% (stronger) |
| Uninsured deposits | 8.1% | 3.3% (stronger) |
| Offices | 27 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Horizon Credit Union has the higher TellerScore (75 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Horizon Credit Union leads on 5 and Clarity 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.