Federal credit union · Hamilton, New Jersey · NCUA charter #9411
Hamilton Horizons
Health score 53/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 53
- Health / 100
- $19.1M
- Total assets
- 2,656
- Members
- 6.9%
- Net-worth ratio
Hamilton Horizons scores 53/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $19.1M; members 2,656; net-worth ratio 6.91%; health rank #4,230 of 4,374; healthier than 3rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,230 of 4,374 health · 2025Q4Hamilton Horizons · health 53/100 · $19.1M · 2025Q4
Call Report peers
Hamilton Horizons in the assets neighbourhood
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Hamilton Horizons vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Hamilton Horizons sits in 50-54 with 82 others.
53 3rd percentile higher than 3% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where Hamilton Horizons diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 72.85% here, 59.80% peer average (+13.05 pp).
- Net Worth Ratio trails the peer set - 6.91% here, 14.86% peer average (-7.95 pp).
Where Hamilton Horizons sits in New Jersey
- In New Jersey, health place is #121 of 127 on the same NCUA-ratio sort used nationally.
- New Jersey assets place: #67 of 127.
- Membership ranks #54 of 127 among New Jersey CUs with a reported count (2,656 members).
- One place up in New Jersey, PATH (#120) ties at 53/100; one place down, The Atlantic (#122) scores 50/100, 3 points lower.
How Hamilton Horizons's 5300 filing moved
Hamilton Horizons: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $19.1M (2025Q4) to $19.4M (2026Q1).
- Net-worth ratio shifted -0.16 pp (7.07% → 6.91%).
This institution's 6.91% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
How the 53/100 score is built
Hamilton Horizons gives up 47 points in total. Delinquency Rate costs the most, 25 of its 25; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 21.8 pts
- Delinquency Rate 0.0 pts
- Return on Assets 4.5 pts
- Member Growth 11.7 pts
- Loan-to-Share Ratio 15.0 pts
Call Report ratios for Hamilton Horizons
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 6.91% | -7.95 pp |
| Delinquency Rate | 5.51% | +4.36 pp |
| Return on Assets | 0.00% | -0.70 pp |
| Member Growth | 2.23% | - |
| Loan-to-Share Ratio | 72.85% | +13.05 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Hamilton Horizons filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $19.4M | - |
| 2025Q4 | $19.1M | 2,656 |
| 2024Q4 | $19.8M | 2,598 |
| 2023Q4 | $22.4M | 2,764 |
Credit Union Details
- Charter Number
- 9411
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- New Jersey
- City
- Hamilton
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Hamilton Horizons, spread across 2 cities.
| Office | City |
|---|---|
| Hamilton Horizons FCU (Main Office) | Hamilton, NJ |
| Iron Mountain | East Brunswick, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
A look at other New Jersey credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Hamilton Horizons
Similar total assets
Using this data
- Hamilton Horizons ranks #4,230 of 4,374 nationally on financial health and #121 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Energy People is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Energy People
Frequently Asked Questions
Is Hamilton Horizons financially healthy?
On its 2025Q4 NCUA 5300 filing, Hamilton Horizons scores 53/100 (Fair), with a 6.91% net worth ratio and 5.51% of loans delinquent. It ranks #4,230 of 4,374 nationally on health and #121 of 127 in New Jersey.
How does Hamilton Horizons compare to other credit unions?
Hamilton Horizons scores 53/100, higher than 3% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (72.85% vs 59.80%). Its widest shortfall is net worth ratio (6.91% vs 14.86%).
How can I join Hamilton Horizons?
Hamilton Horizons operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Hamilton Horizons directly for the exact boundaries and application steps.
Is my money safe at Hamilton Horizons?
Hamilton Horizons is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Hamilton Horizons's net worth ratio of 6.91% is relative to the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.