BlastPoint's Credit Union Scorecard
HMC (NJ)
Charter #23052 · NJ
HMC (NJ) has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Charge-Off Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.26% below tier average
- - Efficiency ratio 1.67% above tier (higher cost structure)
- - Member decline: -5.3% YoY
- - Loan Growth Rate: Bottom 3.8% in tier
- - Loan-to-Share Ratio: Bottom 6.2% in tier
- - Net Interest Margin (NIM): Bottom 6.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in New Jersey.
- Shares and deposits -6.8% year over year ($7.8M in shares and deposits).
- Membership: 782 members, -5.3% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.23%.
- Efficiency ratio 90.43% vs a 88.77% peer average.
- Loan-to-share ratio 21.88% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
782
-5.3% YoY-1.0% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
22% |
| Assets |
$8.9M
-5.6% YoY-5.1% QoQ
|
$-21.4M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
29% |
| Loans |
$1.7M
-25.5% YoY-4.9% QoQ
|
$-13.7M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
16% |
| Deposits |
$7.8M
-6.8% YoY-6.0% QoQ
|
$-18.0M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
30% |
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| ROA |
0.2%
-17.1% YoY+13.3% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
Bottom 14.3% in tier |
| NIM |
2.5%
+0.6% YoY+2.9% QoQ
|
-1.4% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
Bottom 6.7% in tier |
| Efficiency Ratio |
90.4%
+8.7% YoY-0.1% QoQ
|
+1.7% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
72% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
21.9%
-20.0% YoY+1.1% QoQ
|
-37.0% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 6.1% in tier |
| AMR |
$12,181
-5.8% YoY-4.8% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
40% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 14.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)