Charter 67264 · Spokane Valley, WA
Horizon Credit Union (Spokane Valley, WA)
Horizon Credit Union is a state-chartered credit union in Spokane Valley, Washington, with $1.97 billion in assets and 104,357 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 13.08%, well above the 7% that NCUA's rules treat as well capitalized.
Also does business as HZCU.
- Total assets
- $1.97 billion
- -2.3% in a year
- Members
- 104,357
- -4.1% in a year
- Net worth ratio
- 13.08%
- Peer median 10.79%
- Loans 60+ days late
- 0.27%
- Peer median 0.67%
- Loans outstanding
- $1.60 billion
- -4.8% in a year
- Shares and deposits
- $1.62 billion
- -4.3% in a year
- Branches
- 28
- 370 employees
- Opened
- 1948
- Washington charter
How Horizon Credit Union compares
NCUA groups credit unions by size; Horizon Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 13.08% is higher than that group's median of 10.79%, and its share of loans 60 or more days past due, 0.27%, is lower than the group median of 0.67%. Loans fell 4.8% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 14 of 73 credit unions headquartered in Washington. See all Washington credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.97 billion | 104,357 | $1.60 billion | 13.08% | 0.27% |
| Q1 2026 | $2.00 billion | 105,370 | $1.61 billion | 12.68% | 0.14% |
| Q4 2025 | $2.03 billion | 106,635 | $1.64 billion | 12.36% | 0.24% |
| Q3 2025 | $2.04 billion | 108,019 | $1.66 billion | 12.22% | 0.23% |
| Q2 2025 | $2.02 billion | 108,802 | $1.68 billion | 12.13% | 0.20% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 3.3 million potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 29 sites for Horizon Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Mullan Branch
201 N Mullan Rd, Spokane Valley, WA 99206 - Sandpoint Branch
520 5Th Ave, Sandpoint, ID 83864 - Deer Park Branch
900 S Main St, Deer Park, WA 99006 - Colville Branch
1474 N Highway, Colville, WA 99114 - Post Falls Branch
920 N Highway 41, Post Falls, ID 83854 - Northpointe Branch
9861 N Nevada St, Spokane, WA 99218 - Liberty Lake Branch
22206 E Country Vista Dr, Liberty Lake, WA 99019 - Ephrata Branch
260 C St Sw, Ephrata, WA 98823 - Moses Lake Branch
1704 S Clover Dr, Moses Lake, WA 98837 - Main Office (main office)
13224 E Mansfield Ave Ste 300, Spokane Valley, WA 99216 - Coeur d'Alene Branch
123 W Hanley Ave, Coeur D Alene, ID 83815 - Mirabeau Branch
13224 E Mansfield Ave, Spokane Valley, WA 99216 - South Reserve Branch
2330 S Reserve St, Missoula, MT 59801 - Butte Branch
1555 Harrison Ave, Butte, MT 59701 - Washington Branch
605 S Washington St, Spokane, WA 99204 - Conklin Branch
16402 E Sprague Ave, Spokane Valley, WA 99037 - Chinden
12598 W Explorer Dr, Boise, ID 83713 - Treasure Valley Corporate Office
7615 W Riverside Dr, Boise, ID 83714 - Emerald
9769 W Emerald St, Boise, ID 83704 - La Grande
209 Depot St, La Grande, OR 97850 - Overland - Meridian
485 Overland Rd, Meridian, ID 83642 - Ten Mile - Meridian
5105 N Ten Mile Rd, Meridian, ID 83646 - 12th Ave (Nampa)
164 E Maine Ave, Nampa, ID 83646 - Weiser
1401 E 6Th St, Weiser, ID 83672 - Brooks Branch
1502 Dearborn Ave Ste A, Missoula, MT 59801 - Bozeman Branch
1400 N 19Th Ave Ste A, Bozeman, MT 59718 - 10th Avenue (Great Falls)
1915 10Th Ave S, Great Falls, MT 59405 - River Drive
1500 River Dr N, Great Falls, MT 59401 - Barber Station
3076 E Barber Valley Dr, Boise, ID 83716
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology