TellerScore

Headquartered in Kingsport, Tennessee, Horizon Credit Union is a federally insured state-chartered credit union with $60.2M in total assets and $53.8M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1932.

Based on its Q2 2026 filing, Horizon Credit Union scores 76/100, which we describe as strong. That is higher than 54% of 2,479 credit unions with under $100 million in assets. Among 125 credit unions headquartered in Tennessee, it ranks 58th. Its strongest component is problem-loan coverage (99/100; 0.7%), and its lowest is earnings (48/100; 0.69%).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Net worth ratio: 11.89%
Loan quality96/100
Loans 60+ days delinquent ÷ total loans: 0.11%
Earnings48/100
Return on assets (annualized): 0.69%
Funding & liquidity80/100
Loans ÷ shares: 80.3% · 2.4% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.66%

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 4 points (72 → 76), mostly because the capital cushion component improved by 7 points.

TellerScore
667176Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202472
Q4 202472
Q1 202574
Q2 202572
Q3 202575
Q4 202576
Q1 202676
Q2 202676
Net worth ratio
7.00%9.45%11.89%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.84%
Q3 202411.09%
Q4 202411.11%
Q1 202511.05%
Q2 202511.17%
Q3 202511.66%
Q4 202511.57%
Q1 202611.82%
Q2 202611.89%
Delinquent loans (60+ days)
0.00%0.23%0.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.46%
Q3 20240.00%
Q4 20240.02%
Q1 20250.00%
Q2 20250.34%
Q3 20250.13%
Q4 20250.01%
Q1 20260.14%
Q2 20260.11%
Return on assets
0.17%0.45%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.17%
Q3 20240.29%
Q4 20240.32%
Q1 20250.48%
Q2 20250.54%
Q3 20250.60%
Q4 20250.61%
Q1 20260.74%
Q2 20260.69%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202676$60.2M11.89%0.11%0.69%80.3%
Q1 202676$59.7M11.82%0.14%0.74%80.7%
Q4 202576$60.0M11.57%0.01%0.61%78.0%
Q3 202575$59.1M11.66%0.13%0.60%79.4%
Q2 202572$60.8M11.17%0.34%0.54%74.7%
Q1 202574$60.7M11.05%0.00%0.48%75.0%
Q4 202472$59.7M11.11%0.02%0.32%76.8%
Q3 202472$59.7M11.09%0.00%0.29%77.0%
Q2 202466$60.3M10.84%0.46%0.17%75.8%

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 ratio11.89%
31st
Problem loans0.11%
79th
Net charge-offs0.01%
68th
Return on assets0.69%
53rd
Loans to deposits80.3%
19th
Uninsured deposits2.4%
41st
Loan-loss reserves0.00%
37th
Texas ratio0.7%
72nd

Similar-size credit unions in Tennessee

InstitutionScoreAssetsCapitalProblem loansCompare
Healthnet Federal Credit UnionCredit union Cordova, TN78 out of 100, Strong$58.1M13.2%0.27%vs
Select Seven Federal Credit UnionCredit union Johnson City, TN81 out of 100, Strong$62.4M13.7%0.18%vs
Veritas Federal Credit UnionCredit union Smyrna, TN57 out of 100, Moderate$57.1M8.0%0.60%vs
Jack Daniel Employees Credit UnionCredit union Lynchburg, TN74 out of 100, Strong$56.7M11.3%0.63%vs
Greater Experience Credit UnionCredit union Johnson City, TN64 out of 100, Moderate$56.4M14.0%1.47%vs
Fedtrust Federal Credit UnionCredit union Memphis, TN56 out of 100, Moderate$55.3M7.2%0.52%vs

Deposit insurance

Is my money safe at Horizon Credit Union?

Yes. Horizon Credit Union is a federally insured credit union (NCUA charter #68138). 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 2.4% of shares and deposits ($1.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.89%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

5 locations

Branches

Horizon Credit Union lists 5 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Horizon Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
68138
RSSD ID
400299
Primary regulator
State + NCUA
Established
1932
Headquarters
1201 N Eastman Rd, Kingsport, TN 37664
Employees
24

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 #68138). 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?

76 out of 100 (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 Horizon Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Kingsport

InstitutionScoreAssetsCapitalProblem loansCompare
FSNB, National AssociationBank Lawton, OK96 out of 100, Very strong$478.3M17.5%0.36%vs
Kingsport Press Credit UnionCredit union Kingsport, TN92 out of 100, Very strong$95.6M16.4%0.40%vs
Eastman Credit UnionCredit union Kingsport, TN91 out of 100, Very strong$10.2B14.9%0.31%vs
Farmers and Miners BankBank Pennington Gap, VA89 out of 100, Very strong$193.2M13.3%0.32%vs
Elizabethton Federal Savings BankBank Elizabethton, TN86 out of 100, Very strong$326.0M42.3%0.25%vs
Happy Valley Credit UnionCredit union Elizabethton, TN86 out of 100, Very strong$36.9M18.3%0.82%vs