HMC (NJ)

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$9.3M

40^th percentile

Members

801

29^th percentile

Total loans

$2.0M

22^th percentile

Total shares

$8.3M

42^th percentile

Profitability

Return on assets

0.41%

31^th percentile

Net interest margin

2.63%

11^th percentile

Efficiency ratio

59.57%

65^th percentile

Non-interest income ratio

3.25%

25^th percentile

Capital & Risk

Net worth ratio

10.70%

20^th percentile

Delinquency rate

0.00%

100^th percentile

Net charge-off rate

0.33%

42^th percentile

Loan-to-share

23.64%

7^th percentile

Growth

Member growth YoY

-3.96%

24^th percentile

Asset growth YoY

-1.15%

35^th percentile

Loan growth YoY

-22.24%

5^th percentile

Share growth YoY

-1.60%

37^th percentile

Operations

Members / branch

801

38^th percentile

Assets / member

$11,592

68^th percentile

Field of membership penetration

32.04%

45^th percentile

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