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
Call Report peers
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Hmc (Nj) vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Hmc (Nj) sits in 70-74 with 317 others.
70 17th percentile higher than 17% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in New Jersey, Hoboken School Employees (#79) ties at 70/100; one place down, Union County Employees (#81) scores 69/100, 1 point lower.
Hmc (Nj): 2025Q4 → 2026Q1
Hmc (Nj): total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $9.3M (2025Q4) to $9.3M (2026Q1).
- Net-worth ratio shifted -0.03 pp (10.70% → 10.67%).
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
Hmc (Nj) gives up 30 points in total. Member Growth costs the most, 13.1 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- 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 |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Hmc (Nj) financially healthy?
On its 2025Q4 NCUA 5300 filing, Hmc (Nj) scores 70/100 (Very Good), with a 10.67% net worth ratio and 0.00% of loans delinquent. It ranks #3,599 of 4,374 nationally on health and #80 of 127 in New Jersey.
How does Hmc (Nj) compare to other credit unions?
Hmc (Nj) scores 70/100, higher than 17% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.00% vs 1.81%). Its widest shortfall is loan-to-share ratio (23.64% vs 63.60%).
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)?
Hmc (Nj) 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. Hmc (Nj)'s net worth ratio of 10.67% exceeds 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.