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Overview / Commentary
120 Main St
Binghamton, NY 13905

Horizons Federal Credit Union is headquartered in Binghamton and is the 72nd largest credit union in the state of New York. It is also the 1,532nd largest credit union in the nation. It was established in 1937 and as of December of 2016, it had grown to 32 employees and 11,611 members at 3 locations. Horizons Federal Credit Union has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship, or attend school in, and businesses and other legal entities located in Broome County, New York.
See current membership details

Reviews (1)

Horizons is a friendly place to do business

Posted by: Nancy2 | May 25, 2014

My husband and first went to Horizons to get a car loan at the suggestion of a used car business. They had competitive loan rates. It was easy to go through the application process. Since then we have opened other accounts there. The only issue we have had was with setting up online payments to our son who is attending college out of state. That was a frustrating process and we ended up talking to a manager to get it straight. All in all we are happy with Horizons as a credit union.


Health Grade Components

NCUA #2041
Year Chartered1937
Primary Regulator
Profit Margin
Return on Assets - YTD0.33%
Return on Equity - YTD2.78%
Annual Interest Income$3.5MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$106.1MM$102.1MM
LoansQ4 2016vs Q4 2015$64.0MM$63.2MM
DepositsQ4 2016vs Q4 2015$93.2MM$89.5MM
Equity CapitalQ4 2016vs Q4 2015$12.6MM$12.2MM
Loan Loss AllowanceQ4 2016vs Q4 2015$530.00K$462.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$882.00K$605.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$0

Rates for Horizons Federal Credit Union are currently being reviewed.


Horizons Federal Credit Union Locations
Branch Office120 Main StBinghamton, NY 13905
Branch Office3701 Vestal Pkwy EVestal, NY 13850-2397
Branch Office519 Hooper RdEndwell, NY 13760