HMC (NJ)
Charter #23052 · Flemington, NJ · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.42% sits at the 20th percentile of structural peers — worth a closer look.
- Cost of funds of 1.59% sits at the 80th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.06% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 90.53% sits at the 75th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 97th percentile but its structural peers at the 43rd — a 54-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | HMC (NJ) | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.35M | 97th pct | 43th pct |
| Members | 790 | 69th pct | 26th pct |
| Net worth ratio | 10.67% | 16th pct | 28th pct |
| Return on average assets | 0.20% | 41th pct | 26th pct |
| Net interest margin | 2.42% | 11th pct | 20th pct |
| Cost of funds | 1.59% | 80th pct | 80th pct |
| Loan-to-share | 21.64% | 12th pct | 16th pct |
| Delinquency 60+ days | 0.20% | 34th pct | 36th pct |
| Net charge-off ratio | -0.06% | 15th pct | 10th pct |
| Loan growth YoY | -15.97% | 12th pct | 3th pct |
| Share growth YoY | 1.43% | 60th pct | 49th pct |
| Efficiency ratio | 90.53% | 57th pct | 75th pct |
structural peer set hash: 91860c08d17f468b5d56d3670a3c5b70… (reproducible)
Closest structural peers
This is the free public view
Claim HMC (NJ)
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.