TellerScore

Horizon Credit Union (NCUA charter #63844) is based in Macon, Missouri. Its Q2 2026 call report shows $58.8M in total assets and $51.3M in member shares and deposits and 1 office.

Horizon Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 36% of its 2,479 credit unions with under $100 million in assets. Among 87 credit unions headquartered in Missouri, it ranks 47th. Problem-loan coverage contributes the most (91/100, 4.4%); earnings contributes the least (34/100, 0.34%).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Net worth ratio: 11.83%
Loan quality72/100
Loans 60+ days delinquent ÷ total loans: 0.84%
Earnings34/100
Return on assets (annualized): 0.34%
Funding & liquidity89/100
Loans ÷ shares: 70.8% · 5.4% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.39%

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 fell 2 points (70 → 68), mostly because the earnings component weakened by 15 points.

TellerScore
626873Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202463
Q3 202463
Q4 202462
Q1 202565
Q2 202570
Q3 202572
Q4 202573
Q1 202665
Q2 202668
Net worth ratio
7.00%9.50%11.99%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.97%
Q3 202411.23%
Q4 202410.90%
Q1 202510.88%
Q2 202511.40%
Q3 202511.74%
Q4 202511.98%
Q1 202611.99%
Q2 202611.83%
Delinquent loans (60+ days)
0.69%0.89%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.78%
Q3 20240.96%
Q4 20241.03%
Q1 20250.93%
Q2 20250.73%
Q3 20250.69%
Q4 20250.69%
Q1 20261.08%
Q2 20260.84%
Return on assets
0.23%0.55%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.23%
Q3 20240.36%
Q4 20240.31%
Q1 20250.57%
Q2 20250.73%
Q3 20250.86%
Q4 20250.84%
Q1 20260.28%
Q2 20260.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$58.8M11.83%0.84%0.34%70.8%
Q1 202665$57.5M11.99%1.08%0.28%72.2%
Q4 202573$57.2M11.98%0.69%0.84%74.2%
Q3 202572$57.4M11.74%0.69%0.86%75.5%
Q2 202570$57.7M11.40%0.73%0.73%76.0%
Q1 202565$59.3M10.88%0.93%0.57%74.4%
Q4 202462$58.5M10.90%1.03%0.31%76.2%
Q3 202463$56.5M11.23%0.96%0.36%81.3%
Q2 202463$57.0M10.97%0.78%0.23%79.0%

2,479 peers · Under $100 million in assets

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 ratio11.83%
30th
Problem loans0.84%
45th
Net charge-offs0.40%
32nd
Return on assets0.34%
34th
Loans to deposits70.8%
32nd
Uninsured deposits5.4%
19th
Loan-loss reserves0.00%
37th
Texas ratio4.4%
33rd

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Joplin Metro Credit UnionCredit union Joplin, MO89 out of 100, Very strong$57.8M17.7%0.78%vs
Raytown-Lee'S Summit Community Credit UnionCredit union Raytown, MO61 out of 100, Moderate$60.1M8.7%0.83%vs
City Credit UnionCredit union Independence, MO61 out of 100, Moderate$65.5M11.9%1.90%vs
Kansas City Credit UnionCredit union Kansas City, MO41 out of 100, Below average$46.4M8.6%2.57%vs
Holy Rosary Credit UnionCredit union Kansas City, MO42 out of 100, Below average$45.4M11.8%3.01%vs
Show-Me Credit UnionCredit union Mexico, MO83 out of 100, Strong$43.7M13.2%0.68%vs

Deposit insurance

Is my money safe at Horizon Credit Union?

Yes. Horizon Credit Union is a federally insured credit union (NCUA charter #63844). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.4% of shares and deposits ($2.7M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.83%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Horizon Credit Union lists 1 office in 1 city. Most locations:

  • Macon, MO (1)

All branch addresses and map

Identity & history

Profile

Legal name
Horizon Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63844
RSSD ID
834791
Primary regulator
State + NCUA
Established
1954
Headquarters
PO Box 554, Macon, MO 63552
Employees
20

Quick answers

Horizon Credit Union: common questions

Is Horizon Credit Union NCUA insured?

Yes. Horizon Credit Union is a federally insured credit union (NCUA charter #63844). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Horizon Credit Union's TellerScore?

68 out of 100 (Moderate), 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 Horizon Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Macon

InstitutionScoreAssetsCapitalProblem loansCompare
Regional Missouri BankBank Marceline, MO84 out of 100, Strong$597.4M11.6%0.07%vs
Northeast Missouri State BankBank Kirksville, MO84 out of 100, Strong$164.1M11.1%0.02%vs
Community State BankBank Shelbina, MO83 out of 100, Strong$132.8M12.0%0.10%vs
First State Community BankBank Farmington, MO73 out of 100, Strong$4.5B11.7%1.07%vs
Southern BankBank Poplar Bluff, MO70 out of 100, Strong$5.2B10.4%0.63%vs
Alliant BankBank Madison, MO70 out of 100, Strong$256.4M9.0%0.00%vs