Side-by-side · Q2 2026 data
Horizon Credit Union vs Responders Emergency Services Credit Union
Credit union
Responders Emergency Services Credit Union
Spokane, Washington · Under $100 million in assets
Metric by metric
| Measure | Horizon Credit Union | Responders Emergency Services Credit Union |
|---|---|---|
| TellerScore | 75 | 87 (stronger) |
| Capital cushion | 81 | 100 (stronger) |
| Loan quality | 91 | 100 (stronger) |
| Earnings | 46 (stronger) | 40 |
| Funding & liquidity | 61 | 91 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 75th | 83rd |
| Total assets | $2.0B | $56.2M |
| Deposits / shares | $1.6B | $46.3M |
| Capital ratio | 13.08% | 17.32% (stronger) |
| Problem loans | 0.27% | 0.01% (stronger) |
| Net charge-offs | 0.48% | -0.01% (stronger) |
| Return on assets | 0.64% (stronger) | 0.50% |
| Loans ÷ deposits | 98.9% | 69.3% (stronger) |
| Uninsured deposits | 8.1% | 7.1% (stronger) |
| Offices | 27 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Responders Emergency Services Credit Union has the higher TellerScore (87 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Horizon Credit Union leads on 1 and Responders Emergency Services Credit Union on 6. 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.