TellerScore

Horizon Utah Federal Credit Union is a federal credit union headquartered in Farmington, Utah, in business for about 70 years. At the end of Q2 2026 it reported $185.2M in total assets and $162.2M in member shares and deposits, with 4 offices.

Horizon Utah Federal Credit Union has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 31% of its 1,341 credit unions with $100 million – $1 billion. Among 51 credit unions headquartered in Utah, it ranks 37th. Funding & liquidity contributes the most (100/100, 56% loans-to-deposits, 5% uninsured); earnings contributes the least (15/100, -0.13%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Net worth ratio: 11.54%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.91%
Earnings15/100
Return on assets (annualized): -0.13%
Funding & liquidity100/100
Loans ÷ shares: 55.6% · 5.3% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.83%

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 2 points (62 → 64), mostly because the loan quality component improved by 18 points.

TellerScore
566064Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202463
Q4 202460
Q1 202556
Q2 202562
Q3 202560
Q4 202560
Q1 202663
Q2 202664
Net worth ratio
7.00%9.48%11.96%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.71%
Q3 202411.88%
Q4 202411.96%
Q1 202511.72%
Q2 202511.95%
Q3 202511.72%
Q4 202511.64%
Q1 202611.36%
Q2 202611.54%
Delinquent loans (60+ days)
0.73%1.22%1.71%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.37%
Q3 20241.38%
Q4 20241.71%
Q1 20251.63%
Q2 20251.43%
Q3 20251.41%
Q4 20251.52%
Q1 20260.73%
Q2 20260.91%
Return on assets
-0.64%-0.27%0.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.40%
Q3 20240.10%
Q4 20240.04%
Q1 2025-0.43%
Q2 20250.02%
Q3 2025-0.11%
Q4 20250.04%
Q1 2026-0.64%
Q2 2026-0.13%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$185.2M11.54%0.91%-0.13%55.6%
Q1 202663$186.7M11.36%0.73%-0.64%54.9%
Q4 202560$184.8M11.64%1.52%0.04%56.3%
Q3 202560$181.5M11.72%1.41%-0.11%57.6%
Q2 202562$179.4M11.95%1.43%0.02%57.8%
Q1 202556$181.1M11.72%1.63%-0.43%58.8%
Q4 202460$179.2M11.96%1.71%0.04%57.5%
Q3 202463$181.0M11.88%1.38%0.10%58.7%
Q2 202458$179.4M11.71%1.37%-0.40%60.4%

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 ratio11.54%
51st
Problem loans0.91%
35th
Net charge-offs1.08%
7th
Return on assets-0.13%
4th
Loans to deposits55.6%
84th
Uninsured deposits5.3%
56th
Loan-loss reserves0.00%
50th
Texas ratio3.8%
53rd

Similar-size credit unions in Utah

InstitutionScoreAssetsCapitalProblem loansCompare
Hercules First Federal Credit UnionCredit union Salt Lake City, UT51 out of 100, Below average$176.3M9.0%1.00%vs
Utah Heritage Credit UnionCredit union Moroni, UT63 out of 100, Moderate$166.7M12.4%2.51%vs
Members First Credit UnionCredit union Brigham City, UT95 out of 100, Very strong$209.1M14.9%0.43%vs
Eastern Utah Community Federal Credit UnionCredit union Price, UT81 out of 100, Strong$219.2M14.1%0.74%vs
Pacific Horizon Credit UnionCredit union Springville, UT53 out of 100, Below average$141.4M9.3%1.81%vs
Desert Rivers Federal Credit UnionCredit union Moab, UT50 out of 100, Below average$116.7M8.4%1.34%vs

Deposit insurance

Is my money safe at Horizon Utah Federal Credit Union?

Yes. Horizon Utah Federal Credit Union is a federally insured credit union (NCUA charter #24746). 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 5.3% of shares and deposits ($8.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.54%, 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

Horizon Utah Federal Credit Union lists 4 offices in 4 cities. Most locations:

  • Clearfield, UT (1)
  • Kaysville, UT (1)
  • West Point, UT (1)
  • Woods Cross, UT (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Horizon Utah Federal Credit Union reported 29 home-loan applications under HMDA (LEI 549300BMJCCKS0LIQJ45): 15 originated ($1,935,000 total), 10 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 40.0%, 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 Utah Federal Credit Union
Type
Federal credit union
NCUA charter #
24746
RSSD ID
397595
Primary regulator
NCUA
Established
1956
Headquarters
P.O. Box 687, Farmington, UT 84025
Employees
45

Quick answers

Horizon Utah Federal Credit Union: common questions

Is Horizon Utah Federal Credit Union NCUA insured?

Yes. Horizon Utah Federal Credit Union is a federally insured credit union (NCUA charter #24746). 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 Utah Federal Credit Union's TellerScore?

64 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 Utah Federal Credit Union have?

4 offices as of the latest NCUA data.