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
- RANK 53/100
- PHOTO 6.9%
- BOOK 5.51%
- CHARTER 0.00%
- NCUSIF $19.1M
- CAMELS 2,656
- HEALTH #4,230/4,374
- NW Amarillo Postal Employees
- DELQ 9411
Call Report peers
Hamilton Horizons in the assets neighbourhood
Hamilton Horizons's $19.1M assets sit next to Amarillo Postal Employees ($19.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Hamilton Horizons vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
Hamilton Horizons - Share Insurance Coverage
Charter #9411's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for NJ only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Hamilton Horizons's 5300 filing moved
Hamilton Horizons: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.8% from $19.1M (2025Q4) to $19.4M (2026Q1).
- Net-worth ratio shifted -0.16 pp (7.07% → 6.91%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 53.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Hamilton Horizons's nationwide photo peers by assets and by health score, excluding New Jersey charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($19.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (53/100 here).
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
- Rates and health both vary by institution, not just by state -- see how New Jersey credit unions compare overall before assuming this one is typical. New Jersey state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Hamilton Horizons financially healthy?
Yes/no aside, the number is 53/100 (Fair) - Hamilton Horizons's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,230 of 4,374; by total assets it ranks #3,178 of 4,374 nationally (same basis as /rankings/largest); and #67 of 127 within New Jersey. Above 80 reads excellent, below 50 warrants closer monitoring; a 6.91% net worth ratio and 5.51% delinquency rate are the key drivers.
How does Hamilton Horizons compare to other credit unions?
Hamilton Horizons scores 53/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Hamilton Horizons are 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."
What rates does Hamilton Horizons offer compared to banks?
Credit unions like Hamilton Horizons are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Hamilton Horizons directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.