TellerScore

Headquartered in Flemington, New Jersey, Hmc (Nj) Federal Credit Union is a federal credit union with $8.9M in total assets and $7.8M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1978.

Based on its Q2 2026 filing, Hmc (Nj) Federal Credit Union scores 75/100, which we describe as strong. That is higher than 52% of 2,479 credit unions with under $100 million in assets. Among 126 credit unions headquartered in New Jersey, it ranks 36th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (29/100; 0.23%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Net worth ratio: 11.31%
Loan quality100/100
Loans 60+ days delinquent ÷ total loans: 0.00%
Earnings29/100
Return on assets (annualized): 0.23%
Funding & liquidity100/100
Loans ÷ shares: 21.9% · 2.1% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.00%

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 4 points (71 → 75), mostly because the capital cushion component improved by 9 points.

TellerScore
657075Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202469
Q3 202465
Q4 202469
Q1 202569
Q2 202571
Q3 202574
Q4 202573
Q1 202671
Q2 202675
Net worth ratio
7.00%9.16%11.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.69%
Q3 202410.37%
Q4 202410.30%
Q1 202510.17%
Q2 202510.42%
Q3 202510.72%
Q4 202510.70%
Q1 202610.67%
Q2 202611.31%
Delinquent loans (60+ days)
0.00%0.30%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.17%
Q3 20240.60%
Q4 20240.16%
Q1 20250.14%
Q2 20250.12%
Q3 20250.00%
Q4 20250.00%
Q1 20260.20%
Q2 20260.00%
Return on assets
-0.07%0.12%0.30%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.07%
Q3 20240.04%
Q4 20240.01%
Q1 20250.11%
Q2 20250.28%
Q3 20250.30%
Q4 20250.28%
Q1 20260.20%
Q2 20260.23%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$8.9M11.31%0.00%0.23%21.9%
Q1 202671$9.3M10.67%0.20%0.20%21.6%
Q4 202573$9.3M10.70%0.00%0.28%23.6%
Q3 202574$9.2M10.72%0.00%0.30%26.1%
Q2 202571$9.4M10.42%0.12%0.28%27.3%
Q1 202569$9.5M10.17%0.14%0.11%28.5%
Q4 202469$9.4M10.30%0.16%0.01%29.9%
Q3 202465$9.3M10.37%0.60%0.04%32.0%
Q2 202469$9.0M10.69%0.17%-0.07%34.3%

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 ratio11.31%
26th
Problem loans0.00%
94th
Net charge-offs-0.04%
90th
Return on assets0.23%
29th
Loans to deposits21.9%
94th
Uninsured deposits2.1%
44th
Loan-loss reserves0.00%
37th
Texas ratio0.0%
93rd

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InstitutionScoreAssetsCapitalProblem loansCompare
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East Orange Firemens Federal Credit UnionCredit union Bloomfield, NJ64 out of 100, Moderate$9.9M26.3%8.37%vs
Bloomfield Fire and Police Federal Credit UnionCredit union Bloomfield, NJ67 out of 100, Moderate$10.0M14.9%2.50%vs
P.S.E. & G. Nuclear Employees Federal Credit UnionCredit union Hancocks Bridge, NJ72 out of 100, Strong$10.0M12.9%0.24%vs

Deposit insurance

Is my money safe at Hmc (Nj) Federal Credit Union?

Yes. Hmc (Nj) Federal Credit Union is a federally insured credit union (NCUA charter #23052). 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 2.1% of shares and deposits ($165K) 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 11.31%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Hmc (Nj) Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Hmc (Nj) Federal Credit Union
Type
Federal credit union
NCUA charter #
23052
RSSD ID
28787
Primary regulator
NCUA
Established
1978
Headquarters
84 Park Ave Ste E103, Flemington, NJ 08822
Employees
2

Quick answers

Hmc (Nj) Federal Credit Union: common questions

Is Hmc (Nj) Federal Credit Union NCUA insured?

Yes. Hmc (Nj) Federal Credit Union is a federally insured credit union (NCUA charter #23052). 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 Hmc (Nj) Federal Credit Union's TellerScore?

75 out of 100 (Strong), 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 Hmc (Nj) Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

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InstitutionScoreAssetsCapitalProblem loansCompare
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Trenton NJ Firemen Federal Credit UnionCredit union Trenton, NJ85 out of 100, Very strong$4.4M18.2%0.52%vs