Credit union · NCUA insured
Horizon Federal Credit Union
A $152.4M credit union headquartered in Williamsport, PA, with 14,900 members and 6 branches in Pennsylvania. Best rates: savings 0.40% APY.
Horizon Federal Credit Union Carrot Score
69
Carrot Score
Higher than 23% of U.S. banks and credit unions
#8 of 16 in Williamsport, PA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Horizon Federal Credit Union
- Headquarters
- 330 Pine st, Williamsport, PA 17701
- NCUA charter
- 10687
Branches
6 branches in Pennsylvania
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Pennsylvania
6 branches
Williamsport area · 4
- Muncy Branch867 Lycoming Mall Dr, Muncy, PA 17756Directions
- Lycoming Creek Branch1930 Lycoming Creek Rd, Williamsport, PA 17701Directions
- Third Street Branch1007 E 3rd St, Williamsport, PA 17701Directions
- Williamsport Area High School2990 W 4th St, Williamsport, PA 17701Directions
Lock Haven area · 1
- Lock Haven Branch Office217 W Bald Eagle St, Lock Haven, PA 17745Directions
State College area · 1
- State College Branch2451 East College Avenue Suite 100, State College, PA 16801Directions
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 | 9.01% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 2.32% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | -0.22% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $67 | $76 | — |
- CapitalNet worth ratio9.01%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late2.32%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets-0.22%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$67Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.