BlastPoint's Credit Union Scorecard
HAMILTON HORIZONS
Charter #9411 · NJ
HAMILTON HORIZONS has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.37% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Efficiency ratio 11.00% above tier (higher cost structure)
- - Delinquency rate 3.95% above tier average
- - Net Worth Ratio: Bottom 1.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,656
+2.2% YoY-0.4% QoQ
|
+40 |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
62% |
| Assets |
$19.1M
-3.7% YoY-1.0% QoQ
|
$-11.1M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
47% |
| Loans |
$12.9M
-5.0% YoY-2.4% QoQ
|
$-2.8M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
57% |
| Deposits |
$17.7M
-2.0% YoY+1.0% QoQ
|
$-8.0M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
49% |
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| ROA |
0.4%
+111562.0% YoY+102.5% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
35% |
| NIM |
5.3%
+2.2% YoY+2.9% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Top 9.0% in tier |
| Efficiency Ratio |
93.6%
-4.1% YoY-2.0% QoQ
|
+11.0% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
81% |
| Delinquency Rate |
5.5%
+722.0% YoY+687.7% QoQ
|
+4.0 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
Top 5.4% in tier |
| Loan To Share |
72.8%
-3.0% YoY-3.3% QoQ
|
+12.2% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$11,536
-5.4% YoY-0.0% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
37% |
| CD Concentration |
1.2%
-51.1% YoY-0.6% QoQ
|
-23.3% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 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)