Horizon Federal Credit Union
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10). Good current capitalization (6.1 on a scale of 0 to 10) based on a net capital to total assets of 8.5 and a net worth ratio of 9.3.
Other Rating Factors:
A current level of 14.8 percent of nonperforming loans to core capital combined with 7.2 percent from a year earlier contributes to the Good asset quality (5.8). Fair liquidity 3.9, driven by a liquidity ratio of 18.5 percent and a “hot money” ratio of 0.5 percent.
Asset Mix:
Consumer loans (35%), home mtgs (19%), other (46%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
2849 Reach Road
Williamsport, PA 17701
Williamsport, PA 17701
Phone Number
(570) 326-3636
NCUA Charter Number
Website
Largest Competitors
Philadelphia, PA
Harrisburg, PA
Enola, PA
Williamsport, PA
Williamsport, PA