Credit union · NCUA insured
Horizon Credit Union
A $57.5M credit union headquartered in Macon, MO, with 6,280 members and 2 branches in Missouri. Best rates: CDs 3.85% APY.
Horizon Credit Union Carrot Score
80
Carrot Score
Higher than 53% of U.S. banks and credit unions
#1 of 5 in Kirksville, MO metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Horizon Credit Union
- Headquarters
- 310 N Missouri St, Macon, MO 63552
- NCUA charter
- 63844
Branches
2 branches in Missouri
Loading map…
Missouri
2 branches
Macon area · 1
- Horizon Credit UnionMain office310 N Missouri St, Macon, MO 63552Directions
Kirksville area · 1
- Horizon Credit Union701 S Baltimore St, Kirksville, MO 63501Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 11.83% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.84% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.35% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $71 | $59 | — |
- CapitalNet worth ratio11.83%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.84%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.35%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$71Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Horizon Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.