BlastPoint's Credit Union Scorecard
HAMILTON HORIZONS
Charter #9411 · NJ
HAMILTON HORIZONS has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + Net Interest Margin 1.11% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.54% above tier (higher cost structure)
- - Delinquency rate 3.99% above tier average
- - Net Worth Ratio: Bottom 1.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,630
+3.0% YoY-1.0% QoQ
|
-46 |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
63% |
| Assets |
$19.4M
-1.8% YoY+1.8% QoQ
|
$-10.8M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
47% |
| Loans |
$12.5M
-7.7% YoY-3.4% QoQ
|
$-2.8M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
57% |
| Deposits |
$18.0M
-1.4% YoY+1.8% QoQ
|
$-7.7M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
49% |
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| ROA |
0.3%
+11.0% YoY-30.0% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
34% |
| NIM |
5.1%
+0.0% YoY-3.9% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Top 9.9% in tier |
| Efficiency Ratio |
92.2%
-2.8% YoY-1.5% QoQ
|
+1.5% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
73% |
| Delinquency Rate |
5.5%
+90.7% YoY-0.3% QoQ
|
+4.0 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 5.2% in tier |
| Loan To Share |
69.2%
-6.4% YoY-5.0% QoQ
|
+10.7% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
66% |
| AMR |
$11,603
-6.8% YoY+0.6% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
36% |
| CD Concentration |
1.1%
-51.4% YoY-1.5% QoQ
|
-23.1% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 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)