TellerScore

Headquartered in Williamsport, Pennsylvania, Horizon Federal Credit Union is a federal credit union with $152.4M in total assets and $137.6M in member shares and deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1955.

Based on its Q2 2026 filing, Horizon Federal Credit Union scores 41/100, which we describe as below average. That is higher than only 2% of 1,341 credit unions with $100 million – $1 billion. Among 269 credit unions headquartered in Pennsylvania, it ranks 266th. Its strongest component is funding & liquidity (93/100; 67% loans-to-deposits, 1% uninsured), and its lowest is earnings (11/100; -0.22%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Net worth ratio: 9.01%
Loan quality23/100
Loans 60+ days delinquent ÷ total loans: 2.32%
Earnings11/100
Return on assets (annualized): -0.22%
Funding & liquidity93/100
Loans ÷ shares: 67.1% · 1.2% uninsured
Problem-loan coverage69/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 15.59%

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 17 points (58 → 41), mostly because the earnings component weakened by 41 points.

TellerScore
415263Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202449
Q3 202452
Q4 202449
Q1 202563
Q2 202558
Q3 202551
Q4 202549
Q1 202644
Q2 202641
Net worth ratio
7.00%8.23%9.46%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.46%
Q3 20249.45%
Q4 20249.22%
Q1 20259.06%
Q2 20259.32%
Q3 20259.28%
Q4 20259.16%
Q1 20268.84%
Q2 20269.01%
Delinquent loans (60+ days)
0.96%1.64%2.32%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.86%
Q3 20241.22%
Q4 20241.19%
Q1 20250.96%
Q2 20251.34%
Q3 20251.82%
Q4 20251.83%
Q1 20261.86%
Q2 20262.32%
Return on assets
-0.62%0.19%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.17%
Q3 2024-0.12%
Q4 2024-0.62%
Q1 20250.99%
Q2 20250.79%
Q3 20250.53%
Q4 20250.33%
Q1 2026-0.22%
Q2 2026-0.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202641$152.4M9.01%2.32%-0.22%67.1%
Q1 202644$152.4M8.84%1.86%-0.22%68.1%
Q4 202549$147.9M9.16%1.83%0.33%72.4%
Q3 202551$147.5M9.28%1.82%0.53%75.0%
Q2 202558$146.7M9.32%1.34%0.79%76.5%
Q1 202563$148.7M9.06%0.96%0.99%75.5%
Q4 202449$142.2M9.22%1.19%-0.62%75.4%
Q3 202452$142.6M9.45%1.22%-0.12%73.3%
Q2 202449$145.1M9.46%1.86%0.17%70.6%

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 ratio9.01%
13th
Problem loans2.32%
4th
Net charge-offs0.70%
20th
Return on assets-0.22%
3rd
Loans to deposits67.1%
67th
Uninsured deposits1.2%
94th
Loan-loss reserves0.00%
50th
Texas ratio15.6%
4th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Citymark Federal Credit UnionCredit union Plains, PA86 out of 100, Very strong$152.2M16.2%0.88%vs
Grove City Area Federal Credit UnionCredit union Grove City, PA87 out of 100, Very strong$152.8M15.3%1.33%vs
Arc Federal Credit UnionCredit union Altoona, PA79 out of 100, Strong$154.0M13.3%1.32%vs
Tendto Federal Credit UnionCredit union Erie, PA61 out of 100, Moderate$141.3M8.3%0.51%vs
The One Federal Credit UnionCredit union Meadville, PA61 out of 100, Moderate$139.3M8.7%0.38%vs
Pennsylvania Central Federal Credit UnionCredit union Harrisburg, PA70 out of 100, Strong$138.9M10.6%0.63%vs

Deposit insurance

Is my money safe at Horizon Federal Credit Union?

Yes. Horizon Federal Credit Union is a federally insured credit union (NCUA charter #10687). 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 1.2% of shares and deposits ($1.7M) 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 9.01%, 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 Federal Credit Union lists 5 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Horizon Federal Credit Union reported 165 home-loan applications under HMDA (LEI 549300UI713YO3L6SF02): 106 originated ($8,130,000 total), 30 denied, and 16 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Horizon Federal Credit Union
Type
Federal credit union
NCUA charter #
10687
RSSD ID
185989
Primary regulator
NCUA
Established
1955
Headquarters
2849 Reach Rd, Williamsport, PA 17701
Employees
66

Quick answers

Horizon Federal Credit Union: common questions

Is Horizon Federal Credit Union NCUA insured?

Yes. Horizon Federal Credit Union is a federally insured credit union (NCUA charter #10687). 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 Federal Credit Union's TellerScore?

41 out of 100 (Below average), 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 Federal Credit Union have?

5 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Williamsport

InstitutionScoreAssetsCapitalProblem loansCompare
Montoursville Area Federal Credit UnionCredit union Montoursville, PA91 out of 100, Very strong$6.2M14.2%0.03%vs
Palco Federal Credit UnionCredit union Muncy, PA87 out of 100, Very strong$109.3M13.1%0.20%vs
Williamsport Teachers Credit UnionCredit union South Williamsp, PA85 out of 100, Very strong$15.6M19.5%0.56%vs
The Turbotville National BankBank Turbotville, PA85 out of 100, Very strong$243.5M16.5%1.10%vs
Wyrope Williamsport Federal Credit UnionCredit union S Williamsport, PA81 out of 100, Strong$43.8M14.6%1.08%vs
West Branch Valley Federal Credit UnionCredit union Williamsport, PA73 out of 100, Strong$50.8M9.6%0.21%vs