Hamilton Horizons Federal Credit Union

Headquarters: Hamilton, New Jersey
Charter: Credit Union
Assets: $19.8M
Fed district: Philadelphia
Regulator: NCUA

17 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 2, 2026.

Overview

Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 2, 2026

How these figures are measured

Call-report figures are for Hamilton Horizons Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	NCUA 5300 call report Account 010	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Revenue	Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 115 + Account 117	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee income	Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 131	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee-income share of revenue	Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Hamilton Horizons Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Nov 2, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Hamilton Horizons Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $36K in Q2 2026, 10.0% below the same quarter a year earlier ($40K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Overdraft (OD)
Hamilton Horizons Federal Credit Union: $30
Hamilton Horizons Federal Credit Union: $30
U.S. median: no median
NSF / Returned Item
Compared at $30, the middle of its prices
Hamilton Horizons Federal Credit Union: $25 to $30
Hamilton Horizons Federal Credit Union: $25 to $30
U.S. median: no median
Wire Transfer (Domestic Out)
Hamilton Horizons Federal Credit Union: $30
Hamilton Horizons Federal Credit Union: $30
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 2, 2026View sources

Each amount links to the fee schedule it was read from. Medians for New Jersey, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
New Jersey: Banks and credit unions headquartered in New Jersey that publish the fee.
Philadelphia district: Banks and credit unions headquartered in the Philadelphia Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income fell 23% from Q3 2025 to Q2 2026, to $36K.

Fee income, Q2 2026

$36K

$47KQ3 2025

$42KQ4 2025

$39KQ1 2026

$36KQ2 2026

Against the median

Hamilton Horizons Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Hamilton Horizons Federal Credit Union · $20M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Credit unions only
$19M to $21M in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Hamilton Horizons Federal Credit Union(this institution)	Hamilton, NJ	$20M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Arh Federal Credit Union	Middlesboro, KY	$20M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Bitterroot Community Federal Credit Union	Darby, MT	$19M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Blue Water Federal Credit Union	Port Huron, MI	$20M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Community Healthcare Federal Credit Union	Everett, WA	$20M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Corner Stone Federal Credit Union	lancaster, TX	$20M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Crouse Federal Credit Union	Syracuse, NY	$20M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Dn Community Federal Credit Union	Canton, OH	$20M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
East Orange Va Hospital Federal Credit Union	East Orange, NJ	$20M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Frankfort Community Federal Credit Union	Frankfort, MI	$20M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Genuine Parts Federal Credit Union	Norcross, GA	$19M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Germania Federal Credit Union	Brenham, TX	$19M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Holy Family Memorial Federal Credit Union	Manitowoc, WI	$20M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Hutchinson Government Employees Federal Credit Union	Hutchinson, KS	$20M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Lakota Federal Credit Union	Kyle, SD	$20M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Lcra Federal Credit Union	Austin, TX	$20M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Local 41 I.B.E.W. Federal Credit Union	Orchard Park, NY	$19M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
Locomotive & Control Employees Federal Credit Union	Erie, PA	$20M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Newrizons Federal Credit Union	Hoquiam, WA	$19M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Northern Valley Federal Credit Union	Grand Forks, ND	$20M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Oshkosh Community Federal Credit Union	Oshkosh, WI	$20M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Port Arthur Community Federal Credit Union	Port Arthur, TX	$20M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
St. Louis Policemen`S Federal Credit Union	saint louis, MO	$20M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
Summit Ridge Federal Credit Union	Lees Summit, MO	$19M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Temple-Inland Federal Credit Union	Diboll, TX	$20M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Union Pacific Streamliner Federal Credit Union	Omaha, NE	$21M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(out-of-network atm)

15 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Hamilton Horizons Federal Credit Union does not publish an out-of-network ATM fee in the index.

The peer median is $1.50 among 10 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Out-of-network ATM fee in dollars, one mark per institution

Hamilton Horizons Federal Credit Union does not publish an out-of-network atm fee, so it is not on this chart.

Hamilton Horizons Federal…Peer (equal prices stack)Peer medianInclude $10 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Hamilton Horizons Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $36K
vs prior quarter: −$3K−7.7%; from Q1 2026
vs a year earlier: −$4K−10.0%; from Q2 2025
vs start of range: −$9K−20.0%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Hamilton Horizons Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$36K	−$3K	−7.7%
Q1 2026	$39K	−$3K	−7.1%
Q4 2025	$42K	−$5K	−10.6%
Q3 2025	$47K	+$7K	+17.5%
Q2 2025	$40K	+$4K	+11.1%
Q1 2025	$36K	−$4K	−10.0%
Q4 2024	$40K	−$5K	−11.1%
Q3 2024	$45K	+$9K	+25.0%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Hamilton Horizons Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Account Closing Fee$5
Inactive Account Fee$25
Not compared: Quarterly charge, not monthly
per quarter
Account Research$25
Not compared: Charged per hour; comparison unavailable
per hour · Account Research | $25.00 per hour (one hour minimum)
Paper Statement Fee$2
per month
Bad Address Fee$10
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

Courtesy Pay$30
per item
ATM NSF Fee$30
per item
ATM Returned Item Fee$25
per item
NSF Fee$30
per item
Extended Overdraft Fee$5
per day
Courtesy Pay Daily Cap (audience not stated, treated as personal)$90
per day · Maximum per day
Courtesy Pay daily maximum$90

ATM & Card

ATM Card Replacement Fee$10
Replacement card fee$10
per item
VISA Debit Card Replacement Fee$10
Rush Card$80
per item
Debit Card Visa International Assessment (ISA)/Foreign Transaction Fee1%of the transaction

Wire Transfers

Wire Transfer Fee: Domestic$30
Wire Transfer: >>>Domestic$30
Wire Transfer Fee: International$50
Wire Transfer: >>>International$50

Check Services

Cashier’s Check Fee$10
per item
Certified Check Fee$15
per item
Stop Payment Fee$25
per item
Foreign Check Collection$40

Cash & Deposit

Returned Item Fee$25
per item

Account Services

IRS Levy/Garnishment Services$35

Other Fees

FedEx Fee$40
FedEx Fee (Saturday Delivery)$50
Statement Copies$3
per item

Fee	Amount	Basis	Note
Account Maintenance
Account Closing Fee	$5	Not stated	None
Inactive Account Fee	$25Not compared: Quarterly charge, not monthly	per quarter	None
Account Research	$25Not compared: Charged per hour; comparison unavailable	per hour	Account Research \| $25.00 per hour (one hour minimum)
Paper Statement Fee	$2	per month	None
Bad Address Fee	$10Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
Courtesy Pay	$30	per item	None
ATM NSF Fee	$30	per item	None
ATM Returned Item Fee	$25	per item	None
NSF Fee	$30	per item	None
Extended Overdraft Fee	$5	per day	None
Courtesy Pay Daily Cap (audience not stated, treated as personal)	$90	per day	Maximum per day
Courtesy Pay daily maximum	$90	Not stated	None
ATM & Card
ATM Card Replacement Fee	$10	Not stated	None
Replacement card fee	$10	per item	None
VISA Debit Card Replacement Fee	$10	Not stated	None
Rush Card	$80	per item	None
Debit Card Visa International Assessment (ISA)/Foreign Transaction Fee	1%of the transaction	Not stated	None
Wire Transfers
Wire Transfer Fee: Domestic	$30	Not stated	None
Wire Transfer: >>>Domestic	$30	Not stated	None
Wire Transfer Fee: International	$50	Not stated	None
Wire Transfer: >>>International	$50	Not stated	None
Check Services
Cashier’s Check Fee	$10	per item	None
Certified Check Fee	$15	per item	None
Stop Payment Fee	$25	per item	None
Foreign Check Collection	$40	Not stated	None
Cash & Deposit
Returned Item Fee	$25	per item	None
Account Services
IRS Levy/Garnishment Services	$35	Not stated	None
Other Fees
FedEx Fee	$40	Not stated	None
FedEx Fee (Saturday Delivery)	$50	Not stated	None
Statement Copies	$3	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Nov 2, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Hamilton Horizons Federal Credit Union's foreign transaction changes in our data

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