TellerScore

Headquartered in Hamilton, New Jersey, Hamilton Horizons Federal Credit Union is a federal credit union with $19.8M in total assets and $18.4M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1954.

Hamilton Horizons Federal Credit Union has a TellerScore of 28 out of 100 (low) based on Q2 2026 data — higher than only 1% of its 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 126th. Funding & liquidity contributes the most (92/100, 68% loans-to-deposits, 0% uninsured); loan quality contributes the least (0/100, 4.44%).

TellerScore · Q2 2026

Scorecard

Capital cushion20/100
Net worth ratio: 6.96%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 4.44%
Earnings34/100
Return on assets (annualized): 0.36%
Funding & liquidity92/100
Loans ÷ shares: 67.9% · 0.2% uninsured
Problem-loan coverage18/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 41.02%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (26 → 28), mostly because the problem-loan coverage component weakened by 20 points.

TellerScore
263951Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202447
Q3 202448
Q4 202449
Q1 202528
Q2 202526
Q3 202551
Q4 202527
Q1 202626
Q2 202628
Net worth ratio
6.20%6.63%7.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20246.20%
Q3 20246.43%
Q4 20246.43%
Q1 20256.41%
Q2 20256.31%
Q3 20256.67%
Q4 20257.07%
Q1 20266.91%
Q2 20266.96%
Delinquent loans (60+ days)
0.36%2.94%5.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.36%
Q3 20240.58%
Q4 20240.67%
Q1 20252.88%
Q2 20252.86%
Q3 20250.70%
Q4 20255.51%
Q1 20265.49%
Q2 20264.44%
Return on assets
-0.46%-0.03%0.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.46%
Q3 2024-0.18%
Q4 20240.00%
Q1 20250.25%
Q2 20250.02%
Q3 20250.20%
Q4 20250.40%
Q1 20260.28%
Q2 20260.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202628$19.8M6.96%4.44%0.36%67.9%
Q1 202626$19.4M6.91%5.49%0.28%69.2%
Q4 202527$19.1M7.07%5.51%0.40%72.8%
Q3 202551$19.2M6.67%0.70%0.20%75.4%
Q2 202526$19.9M6.31%2.86%0.02%73.9%
Q1 202528$19.8M6.41%2.88%0.25%73.9%
Q4 202449$19.8M6.43%0.67%0.00%75.1%
Q3 202448$19.4M6.43%0.58%-0.18%79.2%
Q2 202447$19.8M6.20%0.36%-0.46%80.0%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio6.96%
2nd
Problem loans4.44%
7th
Net charge-offs0.33%
36th
Return on assets0.36%
35th
Loans to deposits67.9%
36th
Uninsured deposits0.2%
61st
Loan-loss reserves0.00%
37th
Texas ratio41.0%
1st

Similar-size credit unions in New Jersey

InstitutionScoreAssetsCapitalProblem loansCompare
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Teaneck Federal Credit UnionCredit union Teaneck, NJ57 out of 100, Moderate$17.4M12.3%1.99%vs

Deposit insurance

Is my money safe at Hamilton Horizons Federal Credit Union?

Yes. Hamilton Horizons Federal Credit Union is a federally insured credit union (NCUA charter #9411). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 0.2% of shares and deposits ($34K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 6.96%, below the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Hamilton Horizons Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Hamilton Horizons Federal Credit Union
Type
Federal credit union
NCUA charter #
9411
RSSD ID
938185
Primary regulator
NCUA
Established
1954
Headquarters
3535 Quakerbridge Rd Suite 600, Hamilton, NJ 08619
Employees
7

Quick answers

Hamilton Horizons Federal Credit Union: common questions

Is Hamilton Horizons Federal Credit Union NCUA insured?

Yes. Hamilton Horizons Federal Credit Union is a federally insured credit union (NCUA charter #9411). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Hamilton Horizons Federal Credit Union's TellerScore?

28 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Hamilton Horizons Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Hamilton

InstitutionScoreAssetsCapitalProblem loansCompare
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Central Jersey Police & Fire Federal Credit UnionCredit union Hamilton, NJ91 out of 100, Very strong$52.3M14.4%0.48%vs
Public Service E.D. Trenton Federal Credit UnionCredit union Mercerville, NJ89 out of 100, Very strong$2.6M49.9%0.00%vs
First National Bank and Trust Company of NewtownBank Newtown, PA87 out of 100, Very strong$1.2B12.9%0.00%vs