Side-by-side · Q2 2026 data
Horizon Credit Union vs Spokane Firefighters Credit Union
Credit union
Spokane Firefighters Credit Union
Spokane, Washington · Under $100 million in assets
Metric by metric
| Measure | Horizon Credit Union | Spokane Firefighters Credit Union |
|---|---|---|
| TellerScore | 75 | 87 (stronger) |
| Capital cushion | 81 | 95 (stronger) |
| Loan quality | 91 | 95 (stronger) |
| Earnings | 46 | 55 (stronger) |
| Funding & liquidity | 61 | 94 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 75th | 83rd |
| Total assets | $2.0B | $86.4M |
| Deposits / shares | $1.6B | $73.2M |
| Capital ratio | 13.08% | 14.51% (stronger) |
| Problem loans | 0.27% | 0.15% (stronger) |
| Net charge-offs | 0.48% | 0.05% (stronger) |
| Return on assets | 0.64% | 0.86% (stronger) |
| Loans ÷ deposits | 98.9% | 66.7% (stronger) |
| Uninsured deposits | 8.1% | 5.5% (stronger) |
| Offices | 27 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.8% |
Spokane Firefighters 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 0 and Spokane Firefighters Credit Union on 7. 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.