HORIZON Credit Union Profile

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HORIZON

Charter #68138 | NCUA Region 2 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (423) 530-7778

Fax: (423) 530-7779

Founding Date: N/A

Website: http://www.myhorizoncu.org

Personnel & Operations

President: Humphrey, Cindy

Manager: Drinnon, Mark

FT Employees: 21

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 4

Hours: 8:00am - 5:00pm

Credit Union Profile Summary

HORIZON is a FISCU Credit Union. With a total of 4,173 members ^[1], this institution manages approximately $60,800,452 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 11.17% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -0.77% ^[1].

Financial Snapshot

Total Assets ^[1]

$60,800,452

Total economic resources.

Total Loans ^[1]

$40,546,182

Total value of outstanding loans.

Total Deposits ^[1]

$54,293,274

Total funds deposited by members.

Members ^[1]

4,173

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

11.17%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) ^[1]

0.55%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio ^[1]

74.68%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 0.82%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) ^[1]

↓ -0.77%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) ^[1]

↓ -3.69%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1201 N Eastman Rd

Kingsport, TN, 37664-3163

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 4 branches reported by HORIZON (Charter #68138).

Main Office

Horizon Credit Union Main Office

Type: Corporate Office

1201 N Eastman Rd

Kingsport, TN 37664-3163

Phone: (423) 530-7778

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Church Hill