Hamilton Horizons

Hamilton, NJ · 1 · Charter #9411 · www.hamiltonhorizons.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

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
$19.1M
61th percentile
Members
2,656
79th percentile
Total loans
$12.9M
73th percentile
Total shares
$17.7M
64th percentile

Profitability

Return on assets
0.35%
29th percentile
Net interest margin
5.35%
90th percentile
Efficiency ratio
91.32%
11th percentile
Non-interest income ratio
21.49%
85th percentile

Capital & Risk

Net worth ratio
6.99%
2th percentile
Delinquency rate
5.51%
6th percentile
Net charge-off rate
0.10%
61th percentile
Loan-to-share
72.85%
67th percentile

Growth

Member growth YoY
2.23%
86th percentile
Asset growth YoY
-3.72%
21th percentile
Loan growth YoY
-4.98%
42th percentile
Share growth YoY
-2.04%
35th percentile

Operations

Members / branch
2,656
88th percentile
Assets / member
$7,175
32th percentile
Field of membership penetration
2.86%
13th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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