Sep, 30, 2025 — HORIZON FEDERAL CREDIT UNION is a federal credit union headquartered in WILLIAMSPORT, PA with 6 branch locations and about $147.50 million in total assets. Opened 71 years ago in 1955, HORIZON FEDERAL CREDIT UNION has about 14,910 members and employs 74 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | HORIZON FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 330 Pine st WILLIAMSPORT, PA 17701 |
| Phone: | (570) 326-3636 |
| Fax: | |
| Website: | https://www.horizonfcu.org |
| Branches: | 6 branch locations |
| Members: | 14,910 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 10687 |
|---|---|
| Membership Type: | Community - Rural District |
| Corporate Credit Union: | No |
| Year Opened: | 1955 |
| Last Audited: | Jun 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $147,495,874 |
| CEO/Manager: | Justin Howard |
| Chairperson: | JAMES FEDELE |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 13,382,217 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 41,303,340 |
| Unsecured Loans | 7,925,483 |
| Other Loans | 50,485,018 |
| TOTAL LOANS | 99,713,841 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -484,110 |
| Land And Building | 18,598,749 |
| Other Fixed Assets | 967,575 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,299,559 |
| All Other Assets | 48,576 |
| TOTAL ASSETS | 147,495,874 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 1,333,422 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 40,815,125 |
| Regular shares | 86,571,420 |
| All Other Shares & Deposits | 5,545,428 |
| TOTAL SHARES & DEPOSITS | 132,931,973 |
| TOTAL LIABILITIES | 134,265,395 |
| Regular Reserve | 0 |
| Other Reserves | 1,959,128 |
| Undivided Earnings | 11,271,351 |
| TOTAL EQUITY | 13,230,479 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 147,495,874 |
| INCOME & EXPENSE | |
| Loan Income | 5,176,929 |
| Investment Income | 580,276 |
| Other Income | 1,419,932 |
| Total Employee Compensation & Benefits | 3,100,189 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 3,494,250 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 221,860 |
| Cost of Funds | 1,248,080 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 591,348 |
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