TellerScore

Financial Horizons Credit Union (NCUA charter #86755) is based in Hawthorne, Nevada. Its Q2 2026 call report shows $313.0M in total assets and $280.2M in member shares and deposits and 4 offices.

Financial Horizons Credit Union has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 92% of its 1,341 credit unions with $100 million – $1 billion. Among 13 credit unions headquartered in Nevada, it ranks 5th. Funding & liquidity contributes the most (99/100, 61% loans-to-deposits, 0% uninsured); earnings contributes the least (77/100, 1.43%).

TellerScore · Q2 2026

Scorecard

Capital cushion80/100
Net worth ratio: 12.98%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.08%
Earnings77/100
Return on assets (annualized): 1.43%
Funding & liquidity99/100
Loans ÷ shares: 61.2% · 0.0% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.43%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 9 points (79 → 88), mostly because the earnings component improved by 33 points.

TellerScore
798488Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202482
Q3 202479
Q4 202479
Q1 202579
Q2 202579
Q3 202582
Q4 202584
Q1 202688
Q2 202688
Net worth ratio
7.00%9.99%12.98%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNet worth ratio
Q2 202411.87%
Q3 202412.05%
Q4 202412.08%
Q1 202511.71%
Q2 202511.99%
Q3 202512.38%
Q4 202512.51%
Q1 202612.61%
Q2 202612.98%
Delinquent loans (60+ days)
0.03%0.15%0.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterDelinquent loans (60+ days)
Q2 20240.12%
Q3 20240.27%
Q4 20240.20%
Q1 20250.05%
Q2 20250.03%
Q3 20250.06%
Q4 20250.04%
Q1 20260.08%
Q2 20260.08%
Return on assets
0.59%1.07%1.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.04%
Q3 20240.82%
Q4 20240.68%
Q1 20250.66%
Q2 20250.59%
Q3 20250.88%
Q4 20250.97%
Q1 20261.55%
Q2 20261.43%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$313.0M12.98%0.08%1.43%61.2%
Q1 202688$314.1M12.61%0.08%1.55%60.8%
Q4 202584$307.0M12.51%0.04%0.97%62.2%
Q3 202582$302.1M12.38%0.06%0.88%62.4%
Q2 202579$302.8M11.99%0.03%0.59%58.5%
Q1 202579$306.7M11.71%0.05%0.66%49.4%
Q4 202479$293.2M12.08%0.20%0.68%50.7%
Q3 202479$292.2M12.05%0.27%0.82%52.5%
Q2 202482$292.0M11.87%0.12%1.04%51.7%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.98%
69th
Problem loans0.08%
96th
Net charge-offs0.26%
63rd
Return on assets1.43%
87th
Loans to deposits61.2%
76th
Uninsured deposits0.0%
98th
Loan-loss reserves0.00%
50th
Texas ratio0.4%
95th

Similar-size credit unions in Nevada

InstitutionScoreAssetsCapitalProblem loansCompare
Elko Federal Credit UnionCredit union Elko, NV91 out of 100, Very strong$351.3M13.6%0.34%vs
Weststar Credit UnionCredit union Las Vegas, NV68 out of 100, Moderate$272.7M10.8%0.49%vs
Great Basin Federal Credit UnionCredit union Reno, NV62 out of 100, Moderate$372.7M10.6%1.20%vs
Sierra Pacific Federal Credit UnionCredit union Reno, NV83 out of 100, Strong$189.4M13.6%0.57%vs
Plus Credit UnionCredit union Las Vegas, NV79 out of 100, Strong$126.1M12.5%0.12%vs
Boulder Dam Credit UnionCredit union Boulder City, NV93 out of 100, Very strong$871.5M14.8%0.21%vs

Deposit insurance

Is my money safe at Financial Horizons Credit Union?

Financial Horizons Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 12.98%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Financial Horizons Credit Union lists 4 offices in 4 cities. Most locations:

  • Fallon, NV (1)
  • Hawthorne, NV (1)
  • Winnemucca, NV (1)
  • Yerington, NV (1)

All branch addresses and map

Identity & history

Profile

Legal name
Financial Horizons Credit Union
Type
Non-federally insured state credit union
NCUA charter #
86755
RSSD ID
964492
Primary regulator
State + NCUA
Established
1947
Headquarters
P.O. Box 2288, Hawthorne, NV 89415
Employees
56

Quick answers

Financial Horizons Credit Union: common questions

Is Financial Horizons Credit Union NCUA insured?

Financial Horizons Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is Financial Horizons Credit Union's TellerScore?

88 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Financial Horizons Credit Union have?

4 offices as of the latest NCUA data.