Federal credit union · Flemington, New Jersey · NCUA charter #23052
Hmc (Nj)
Health score 70/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $9.3M
- Total assets
- 801
- Members
- 10.7%
- Net-worth ratio
Hmc (Nj) scores 70/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.3M; members 801; net-worth ratio 10.67%; health rank #3,599 of 4,374; healthier than 17th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,599 of 4,374 health · 2025Q4Hmc (Nj) · health 70/100 · $9.3M · 2025Q4
- DELQ 70/100
- ROA 10.7%
- ASSETS 0.00%
- MEM 0.01%
- RANK $9.3M
- PHOTO 801
- BOOK #3,599/4,374
- CHARTER n/a
- NCUSIF 23052
Call Report peers
Hmc (Nj) carries $9.3M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Hmc (Nj) 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
70 17th percentile higher than 17% 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
Hmc (Nj) - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #23052. See our deposit-insurance coverage note.
Where Hmc (Nj) diverges from peer averages
- Strongest edge vs 566 $2M–$10M peers is Delinquency Rate: -1.81 pp (0.00% vs 1.81%).
- Loan-to-Share Ratio trails the peer set - 23.64% here, 63.60% peer average (-39.96 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
New Jersey standing for Hmc (Nj)
- In New Jersey, health place is #80 of 127 on the same NCUA-ratio sort used nationally.
- By total assets, Hmc (Nj) is #88 of 127 in New Jersey.
- Membership ranks #99 of 127 among New Jersey CUs with a reported count (801 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.
Hmc (Nj): 2025Q4 → 2026Q1
Hmc (Nj): total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.7% from $9.3M (2025Q4) to $9.3M (2026Q1).
- Net-worth ratio shifted -0.03 pp (10.70% → 10.67%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.67% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 70/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 70.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 4.9 pts
- Member Growth 1.9 pts
- Loan-to-Share Ratio 8.2 pts
Hmc (Nj) health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.67% | -8.39 pp |
| Delinquency Rate | 0.00% | -1.81 pp |
| Return on Assets | 0.01% | -0.44 pp |
| Member Growth | -3.96% | - |
| Loan-to-Share Ratio | 23.64% | -39.96 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Hmc (Nj) quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.3M | - |
| 2025Q4 | $9.3M | 801 |
| 2024Q4 | $9.4M | 834 |
| 2023Q4 | $9.1M | 863 |
Credit Union Details
- Charter Number
- 23052
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- New Jersey
- City
- Flemington
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Hmc (Nj).
| Office | City |
|---|---|
| HMC (NJ) Federal Credit Union (Main Office) | Flemington, NJ |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New Jersey
More federally-insured credit unions based in New Jersey, ordered by peer group match and asset size.
Hmc (Nj) nationwide neighbourhoods
Cross-state asset and health neighbours for Hmc (Nj) - kept outside New Jersey; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (70/100 here).
Using this data
- Hmc (Nj) ranks #3,599 of 4,374 nationally on financial health and #80 of 127 in NJ -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- East Orange Firemens is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with East Orange Firemens
- 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 Hmc (Nj) financially healthy?
Hmc (Nj) has a financial health score of 70/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,599 of 4,374; by total assets it ranks #3,594 of 4,374 nationally (same basis as /rankings/largest); and #88 of 127 within New Jersey. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 10.67% and delinquency rate of 0.00%.
How does Hmc (Nj) compare to other credit unions?
Five weighted metrics from NCUA filings produce Hmc (Nj)'s 70/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Hmc (Nj)?
Hmc (Nj) 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 Hmc (Nj) directly for the exact boundaries and application steps.
Is my money safe at Hmc (Nj)?
Federal credit unions like Hmc (Nj) 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. Hmc (Nj)'s net worth ratio of 10.67% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Hmc (Nj) offer compared to banks?
Credit unions like Hmc (Nj) 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 Hmc (Nj) 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.