KINGSPORT, TN
4 risk indicators measuring financial stability and operational resilience
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Sign In — Free (10 views/day)HORIZON CREDIT UNION, founded in 1932, is a community nonprofit that reported $3.6M in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $3.2M left a modest 10% surplus.
TO PROMOTE THRIFT, ISSUE SHARES THAT MAINTAIN ACCOUNTS, AND TO MAKE LOANS TO OUR MEMBERS. FUNDS NOT NEEDED CURRENTLY FOR LIQUIDITY OR FOR LOANS ARE TEMPORARILY INVESTED.
HORIZON CREDIT UNION IS A STATE-CHARTER CREDIT UNION IN WHICH ITS MEMBERS CAN DEPOSIT AND BORROW MONEY. THE ORGANIZATION PROMOTES THRIFT, MAINTAINS ACCOUNTS, AND PROVIDES FUNDING FOR MEMBERS OF THE...
HORIZON CREDIT UNION IS A STATE-CHARTER CREDIT UNION IN WHICH ITS MEMBERS CAN DEPOSIT AND BORROW MONEY. THE ORGANIZATION PROMOTES THRIFT, MAINTAINS ACCOUNTS, AND PROVIDES FUNDING FOR MEMBERS OF THE COMMUNITY. HORIZON CREDIT UNION SERVES TO SUPPORT INDIVIDUALS IN THEIR EFFORTS TO RAISE THEIR FAMILIES, BUY HOMES AND VEHICLES, BUILD RETIREMENT PLANS, AND ACHIEVE OTHER FINANCIAL GOALS.HORIZON CREDIT UNION IS THE PRODUCT OF MERGERS BETWEEN THREE LONG STANDING CREDIT UNIONS IN KINGSPORT, TENNESSEE. MUNICIPAL EMPLOYEES CREDIT UNION BEGAN IN 1932 AND MERGED WITH KINGSPORT POST AND FEDERAL CREDIT UNION IN APRIL OF 1999. A MERGER TOOK PLACE AGAIN IN NOVEMBER 2014 WITH AGC CREDIT UNION. THE NEW NAME CHANGE OF HORIZON CREDIT UNION BECAME EFFECTIVE APRIL 1, 2016 IN ORDER TO REFLECT THE ORGANIZATION'S INCREASED FIELD OF MEMBERSHIP AND DIRECTION OF THE CREDIT UNION.
Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency
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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)
Sign In — Free (10 views/day)| 2025 | 2024 | Change | |
|---|---|---|---|
| Revenue | $3,590,665 | $3,292,835 | +0.1% |
| Expenses | $3,224,663 | $3,099,625 | +0.0% |
| Net Income | $366,002 | $193,210 | +0.9% |
Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics
Financial Distress Indicator
Liquidity & Cash Position
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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics
Sign In| Name | Title | Hours/Week | Role | Reportable Comp | Other Comp | Total |
|---|---|---|---|---|---|---|
| CYNTHIA HUMPHREY | CHAIRPERSON | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| MARK SNODGRASS | VICE CHAIRPERSON | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| RODNEY DEEL | TREASURER | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| DORIS LADD | SECRETARY | 1.00 |
Officer
Director
|
$0 | $0 | $0 |
| LISA BEILHARZ | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| JOSEPH MILLER | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| TYLER NUNLEY | BOARD MEMBER | 1.00 |
Director
|
$0 | $0 | $0 |
| MARK DRINNON | COO | 40.00 |
Officer
|
$128,972 | $15,047 | $144,019 |
| DIANA BAKER | CFO | 40.00 |
Officer
|
$96,854 | $19,623 | $116,477 |
| Year | Revenue | Expenses | Assets | Net Income |
|---|---|---|---|---|
| 2025 | $3,590,665 | $3,224,663 | $60,034,579 | $366,002 |
| 2024 | $3,292,835 | $3,099,625 | $59,659,591 | $193,210 |
| 2023 | $3,526,732 | $2,898,668 | $59,868,992 | $628,064 |
| 2022 | $3,788,300 | $2,733,501 | $63,707,219 | $1,054,799 |
| 2021 | $3,441,491 | $2,700,805 | $64,266,651 | $740,686 |
| 2020 | $3,213,506 | $3,288,338 | $61,478,373 | $-74,832 |
| 2019 | $3,732,910 | $4,029,933 | $56,294,341 | $-297,023 |
| 2018 | $3,856,112 | $4,105,889 | $56,988,286 | $-249,777 |
Compare HORIZON CREDIT UNION with other nonprofits in Tennessee and across the country.