BlastPoint's Credit Union Scorecard
HAMILTON HORIZONS
Charter #9411 · NJ
HAMILTON HORIZONS has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.37% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.13% below tier average
- - Efficiency ratio 3.64% above tier (higher cost structure)
- - Delinquency rate 2.89% above tier average
- - Member decline: -3.0% YoY
- - Net Worth Ratio: Bottom 1.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.7% 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 -0.2% year over year ($18.4M in shares and deposits).
- Membership: 2,593 members, -3.0% vs a year ago.
- Delinquency rate 4.44%.
- Return on assets 0.36%.
- Efficiency ratio 92.40% vs a 88.77% peer average.
- Loan-to-share ratio 67.90% 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 |
2,593
-3.0% YoY-1.4% QoQ
|
+7 |
2,585
-1.7% YoY
|
7,520
+5.0% YoY
|
34,678
+6.6% YoY
|
62% |
| Assets |
$19.8M
-0.7% YoY+2.0% QoQ
|
$-10.5M |
$30.3M
+1.5% YoY
|
$121.5M
+6.2% YoY
|
$593.1M
+10.2% YoY
|
47% |
| Loans |
$12.5M
-8.2% YoY-0.0% QoQ
|
$-3.0M |
$15.5M
-1.7% YoY
|
$76.8M
+8.6% YoY
|
$418.6M
+10.1% YoY
|
57% |
| Deposits |
$18.4M
-0.2% YoY+1.8% QoQ
|
$-7.4M |
$25.8M
+1.1% YoY
|
$104.3M
+6.9% YoY
|
$504.8M
+10.3% YoY
|
50% |
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| ROA |
0.4%
+30.0% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
0.9%
+81.6% YoY
|
1.2%
+121.4% YoY
|
22% |
| NIM |
5.3%
+5.1% YoY+3.0% QoQ
|
+1.4% |
3.9%
+0.9% YoY
|
3.9%
+3.8% YoY
|
3.8%
+2.3% YoY
|
Top 8.1% in tier |
| Efficiency Ratio |
92.4%
-6.7% YoY+0.3% QoQ
|
+3.6% |
88.8%
-6.9% YoY
|
85.3%
-2.0% YoY
|
83.0%
-5.3% YoY
|
76% |
| Delinquency Rate |
4.4%
+55.0% YoY-19.2% QoQ
|
+2.9 |
1.5%
+2.1% YoY
|
2.2%
+22.2% YoY
|
1.3%
+2.6% YoY
|
Bottom 7.7% in tier |
| Loan To Share |
67.9%
-8.1% YoY-1.8% QoQ
|
+9.0% |
58.9%
-3.1% YoY
|
52.7%
+0.2% YoY
|
66.4%
-1.4% YoY
|
63% |
| AMR |
$11,895
-0.6% YoY+2.5% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$16,658
-5.0% YoY
|
$20,028
-0.9% YoY
|
38% |
| CD Concentration |
1.2%
+0.4% YoY+0.3% QoQ
|
-23.4% | 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)